Motorcycle insurance in Utica, MI, is not just recommended — it is the law.
Motorcycle Insurance Laws: Michigan
Motorcycle liability insurance is required in Utica, MI, and across the state. Liability insurance ays for injuries to the other party and damages to the other vehicle resulting from an accident you caused. The state determines the minimum liability limits for which you need to have coverage. There are 3 minimum liability coverages laid out:
- $20,000: Liability Coverage for Personal Injuries to a Single Individual in an Accident
- $40,000: Liability Coverage for Personal Injuries to All Individuals in an Accident
- $10,000: Liability Coverage for Property Damage
If cost is your first priority, only getting insured up to these minimums is your best option. However, remember: liability coverage only covers your own legal liability. What if an uninsured motorist hits you. To make sure you’re covered, you need Uninsured Motorist coverage. To protect your motorcycle itself, you need full coverage or comprehensive motorcycle insurance coverage.