Michigan Motorcycle Insurance Law

According to DMV laws in Michigan, scooter and motorcycle insurance is obligatory if you desire to drive lawfully on the street. In fact, having your motorcycle insured is compulsory in all but a handful of states - three actually. Normally, this means you won't be able to plate a motorcycle or scooter without presenting your insurance card to local Michigan DMV authorities. There are actually numerous distinct sorts of insurance from which you can choose:

• Protection Against Property Damage Liability
• Protection Against Bodily Injury Liability
• Protection Against Drivers Who Aren't Insured
• Comprehensive Insurance

Coverage against uninsured motorists comes highly recommended for MI motorcyclists, as 17% of the state's drivers DO NOT carry insurance.

Motorcycle Liability Insurance in Michigan

In the state of Michigan, insurance against liability is the mandatory form of motorcycle insurance. Liability protects you monetarily if you are judged to be culpable for personal injuries or damages in an accident. Though many of us don't expect that a motorcycle or scooter can cause significant injury, you could be surprised. Michigan has policies prescribing the sum of maximum liability coverage you must carry. Oftentimes, you might find these insurance requirements posted as three dollar sums, along the lines of $20,000/$40,000/$10,000.

• Bodily Injury Liability Limit for Single Individual: $20,000
• Bodily Injury Liability Limit for All Persons: $40,000
• Property Damage Liability Limit: $10,000

Full Coverage Motorcycle Insurance in Michigan

For those owning a supersport or some other streetbike which comes with plastics, it's prudent to give thought to full coverage Michigan motorcycle insurance. These days, some of those cosmetic fairings are so costly to to replace with OEM parts that merely wrecking your sportbike in a parking lot can result in the machine being written off by the insurance adjuster. Similarly, metric and American V-twin cruisers that have plenty of chrome parts or ornamentation can be in jeopardy. Do not forget that standard liability insurance is not going to safeguard the motorcyclist, the the machine being ridden, or any passengers - only your legal risk for damages or injuries to other people. For more information, search policies from a wide spectrum of motorcycle insurance companies - online!