Like with underinsured/uninsured motorist coverage, collision insurance is a good idea. Though, this is only true for bikes with high cash value. We can write vintage motorcycle and scooter policies that can help protect your classic ride in the event of a covered collision, mechanical breakdown, or other types of accidents.
There are a few factors that can impact motorcycle insurance. Safer bikes, safer driving, and higher deductibles can all lower your insurance rates.
NC laws require motorcycle owners to purchase the following coverages: $30,000 for Bodily Injury Per Person $60,000 for Bodily Injury Per Incident $25,000 for Property Damage Per Incident
Underinsured/Uninsured Motorist coverage is not required for motorcycle owners in NC. It is still a good idea to include this in your policy. This will prevent any hardships caused by motorists who cannot cover the extent of damage caused in an accident.
North Carolina requires motorists to purchase insurance for their motorcycles. Like with auto insurance, you are also required to always carry proof of insurance with you.