Motorcycle Insurance in Georgia

In order to legally operate a motorcycle in Georgia, riders must have motorcycle insurance with at least the state minimums for coverage. Legally operating a motorcycle in Georgia requires that riders carry at least $25,000 in liability insurance per person for injuries or death, $50,000 in insurance per accident for injuries or death, and $25,000 in property damage liability insurance per accident. Failure to have insurance can result in costly fines and significant legal repercussions. Specific to Georgia, your motorcycle registration could be revoked or suspended along with having to pay fines for lack of insurance coverage.

Given that liability coverage only protects third parties, having coverage for the motorcyclist is imperative, but not required by the state. Injuries from motorcycle accidents are usually severe making it more important that riders carry collision coverage to pay for the damage to their motorcycle along with medical payments to help offset the cost of medical bills associated with an accident. Additional coverages to consider include:

  • Comprehensive: Pays to repair or replace the motorcycle if it is damaged by theft, vandalism, hail, fire, and other covered incidents.
  • Uninsured Motorist Coverage: If involved in an accident with another vehicle or motorcycle that does not have insurance, then you are responsible for all medical costs and damages. Therefore, having uninsured motorist coverage helps pay the rider for damages and losses from an accident caused by an uninsured driver.
  • Underinsured Motorist Coverage: If you are in an accident caused by a third party that does not have enough insurance to cover the claim, then underinsured motorist coverage kicks in to help pay the rider for damages.

When it comes to finding motorcycle insurance, look no further than HeadSouth Insurance in Canton, GA. Give us a call today to learn more about our insurance offerings.


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