Ask any independent insurance agent about the necessity of motorcycle insurance and 9 times out of 10, they will say yes regardless of whether you own out of interest or because of your needs.
And this is not only because you are required to have one when you drive your motorcycle. That is to say, to get a license plate and drive legally you have to register your vehicle. But even before you get to that stage, you must be able to present insurance coverage to get registered.
Although that in itself is compelling enough, as a responsible motorcycle owner, you must know the reasons behind the requirement for your motorcycle insurance. This way you can make a more informed decision when shopping for insurance in Minnesota including getting upgrades and/or switching plans.
Thus, as your trusted insurance agency in Rochester, Minnesota, we at Safechoice Insurance Agency have listed down some of the most important reasons for this. Briefly, these include:
- You will usually have someone riding with you which means potentially being held liable or being served with a negligence claim when an accident happens.
- You will need to have and work on a higher skill level and difficulty when driving a motorcycle.
- You have more risks driving a motorcycle than a four-wheeled vehicle because they are less visible, less stable, less protected due to the lack of seatbelts and enclosed space, among other road hazards.