Do You Need Motorcycle Insurance in Arkansas?
Yes, you need to have motorcycle insurance in the state, and you are going to have to show proof of insurance before you register your motorcycle. There can be different consequences that come from not having insurance, including license suspension and fines. If you are involved in an accident without insurance, you will have to pay out of pocket for medical costs and repairs.
There are certain minimums you have to have to be compliant with the law. You must have $30,000 for bodily injury per accident and $10,000 for destruction or property damage. Keep in mind that these coverages are only protecting other people when you are at fault. If you only have these minimums and there are damages above these limits, then these are your personal responsibility, and you will have to pay out of pocket. Many people like to up this coverage for this reason since motorcycle accidents can be costly.
What Does Motorcycle Insurance Cover in Arkansas?
There are different coverage options, so you should speak with an agent at Harvill and Associates Insurance Agency to make sure you have the right coverage.
Collision coverage protects your motorcycle in the event of an accident. Comprehensive coverage also does cover your bike if your bike is damaged, but it is not related to an accident, such as weather or vandalism. Even though insurance is required in the state, some people don’t have insurance, so uninsured motorist coverage can protect you if you get into an accident with one of these people. Medical payments coverage can cover things such as co-payments, deductibles, or prescription drug costs for you. Custom equipment coverage can be needed if you have a custom bike. It covers equipment not originally installed on your motorcycle. Roadside assistance can be helpful if your bike breaks down to cover the costs of towing.
Contact Harvill and Associates Insurance Agency to get a quote on motorcycle insurance.