Motorcycle insurance is a must for riders in Michigan. Although it may seem like an unnecessary expense at first, it can save you a lot of money and hassle in the event of an accident. Here’s what you need to know about motorcycle insurance coverage in Birmingham, MI.

What Are the Policy Options?

There are two types of motorcycle insurance: liability and collision. Liability insurance covers damages to other people or property you may cause while riding your motorcycle. Collision insurance covers repairs to your bike, regardless of who is at fault in an accident.

In Michigan, riders can opt for PIP (personal injury protection) insurance, which covers your medical bills and lost wages in an accident, regardless of who is at fault. A coverage specialist from High Favor Insurance can help you determine the best coverage for your needs.

What Type of Policy Should I choose?

The type of policy you choose will depend on a few factors, including the value of your motorcycle, your riding habits, and your budget.

For example, you may not need collision insurance if you have an older motorcycle with little value. Or, if you only ride occasionally, you may get by with a liability-only policy.

If you have a newer or more expensive motorcycle or ride frequently, you’ll likely want to get collision and comprehensive coverage. This will protect your investment in case of an accident.

Do I Need a Full-Year Policy in Michigan?

No. You can get a motorcycle insurance policy in Michigan that covers you for just six months. This is a good option if you only ride during the warmer months.

When choosing vehicle coverage in Birmingham, MI, contact High Favor Insurance for expert guidance. We’ll help you find the best policy for your needs and budget.