How much insurance is required for motorcycle riders?

As many motorcyclists will know, the roads can be extremely dangerous. Nevertheless, their enjoyment of the hobby is usually enough to override any fear of the potential hazards of riding a motorcycle. Furthermore, with enough care and attention, you can still remain relatively safe.

However, it is other road users that can often cause the problems. Whether they are speeding, intoxicated, distracted or they simply don't see you, if you are hit by another vehicle while on a motorcycle, you could suffer serious injuries.

If this happens, you could face a long recovery and hefty medical bills, not to mention the cost of repairing your motorcycle. As such, it is clear that having comprehensive insurance can be extremely beneficial. In fact, in Kentucky there are minimum insurance requirements for all motorcyclists, for their own protection and that of anyone they come into contact with on the roads.

As this article on motorcycle insurance explains, you are required to have liability insurance to cover injuries or damage to others in the event that you are the cause of an accident. This cover needs to include at least $10,000 for property damage, $25,000 per person for bodily injury and $50,000 in total for bodily injuries in the event that multiple people are injured.

However, if you are not at fault, hopefully the other drivers will have adequate insurance. Whatever the case, you may benefit from the support of an attorney. He or she can assist you with any insurance claims and may also be able to assist you if you decide to make a claim against those responsible for your accident.

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T.J. Smith, Attorney at Law
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