What is Motorcycle Bodily Injury Liability Insurance?

If you want to legally own and operate a motorcycle in any state, you're going to need at least a motorcycle bodily injury liability insurance policy. Liability insurance ensures that you will be protected in the event of an accident in which you are responsible for property damage.

Bodily injury coverage is required to help protect you should your driving result in an accident that is responsible for anyone's injuries. Failing to have these basic policies will put you at significant risk, both financially and legally.

What Does Motorcycle Bodily Injury Liability Insurance Cover?

If you cause an accident that causes injury to another, you will be legally liable for their medical bills, lost work wages, physical therapy costs, funeral expenses, and more. As you might expect, these expenses can easily and quickly skyrocket.

A motorcycle bodily injury liability insurance policy helps cover these expenses so they don't have to come out of your pocket. Depending on your policy, your insurance may even pay your legal fees should be sued for damages.

Keep in mind that this type of insurance only pays those who you injure, such as other drivers, passengers on your motorcycle, or pedestrians. It does not pay for any of your personal injuries or damage to your property. If you want more comprehensive coverage, then you will want to opt for a policy with personal medical payments coverage.

How Much Liability Insurance Do You Need?

Most insurance providers offer a wide array of policies and they will help you determine how much you need by looking at a few key pieces of information, including your age and gender, your driving history, your credit history (in some cases), your marital status, and the make and model of your motorcycle.

North Carolina has minimum bodily injury and property damage liability insurance requirements of 30/60/25, which means coverage up to $30,000 for each person injured in an accident, up to a maximum of $60,000 for the entire accident, and $25,000 worth of coverage for property damage. This is the bare minimum required to legally drive in the state.

Contact Bain & Rodzik's Motorcycle Accident Attorney in Wilmington NC Today

If you were involved in a motorcycle accident but you weren't at fault, then you need to protect your interests by seeking the counsel of an experienced motorcycle accident attorney in Wilmington NC immediately. We can help you prepare and file your claims to the insurance companies and help you get the compensation you're due, not just what the insurance companies want to pay out.

Contact Bain & Rodzik's motorcycle accident attorney in Wilmington NC today at 910-762-1199 to schedule a free initial consultation. With Bain & Rodzik, we'll help you get the damages you deserve and you don't pay unless we win your case!