Idaho which is well known for its incredible canyons, rivers, and deserts has some of the best motorcycle riding in the country. In order to safely enjoy your motorcycle riding and to protect your investment in your motorcycle, you should be aware that Idaho has a “fault-based” liability system. Therefore, if you only carry minimum liability insurance and do not have sufficient additional insurance coverage, you could be personally liable and personally responsible for all losses due to an accident. Read on to learn more about the importance of having comprehensive motorcycle insurance and other optional motorcycle insurance coverages that are available from Idaho Select Insurance in Meridian, ID.
Minimum Liability Motorcycle Insurance is Required in Idaho
In Idaho, state law requires that motorcycles carry a minimum amount of liability coverage for injuries and damage to property.
This means that all motorcycles must be insured for at least $15,000 for property damage per accident, $25,000 for death or injury to one person per accident, and $50,000 for death or injury to two or more persons per accident.
Optional Motorcycle Comprehensive Coverage
Motorcycle comprehensive coverage can be purchased to pay for vehicle repairs or to replace the motorcycle if it has been stolen. It also covers fire, flood and hail damage.
Uninsured or Underinsured Motorist
Uninsured or Underinsured Motorist coverage for motorcycles covers accidents with drivers who either have no coverage or who have too little coverage to be responsible for the losses you incur from the accident.
Med Pay covers medical benefits and costs for you and any passenger.
Call Idaho Select Insurance today for a free motorcycle insurance quote. Idaho Select Insurance serves both Meridian, ID, and the surrounding Ada County Idaho area.