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Iowa Motorcycle Insurance Coverage

Motorcycle Insurance

Motorcycle Insurance

Is Motorcycle Insurance Required in Iowa?

You need to prove that you have insurance or show another form of financial responsibility. If you are using insurance to meet this requirement, your insurance must have $40,000 in bodily injury liability coverage for two or more people and $15,000 in property damage liability coverage. Without insurance, you will have to pay for the damages that come from the crash, which can be devastating financially. The minimum requirements are considered low, especially when comparing it to the cost of property damage and medical costs after a motorcycle accident. You may want to purchase additional liability coverage for extra protection.

Other Motorcycle Coverage Options in Iowa

You are required to have liability insurance, but there are also other policies you may want to protect yourself. An agent at Emporium Insurance Agency can help you determine the right coverage for your needs.

  • Collision: This covers damages in the event of an accident with another vehicle. It doesn’t matter who is at fault for the accident. With this insurance, the policyholders will then have money to get repairs on the motorcycle after the accident.
  • Comprehensive: This covers other damages not related to an accident, such as those caused by weather, fire, floods, theft, animals, or vandalism.
  • Medical Expenses: This covers medical expenses for you, regardless of who causes the accident.
  • Uninsured Motorists Coverage: This coverage kicks in if you are in an accident with someone who doesn’t have insurance or doesn’t have the minimum requirements for insurance.
  • Roadside Assistance: If your bike breaks down, you may find this coverage useful to pay for towing and other expenses.

If you customize your bike, then you may also want to get coverage for the accessories. Optional equipment coverage provides this protection for any enhancements or modifications to the performance or appearance. An OEM endorsement will ensure that the motorcycle is repaired with new parts from the manufacturer.

Contact Emporium Insurance Agency to get a quote on motorcycle insurance.

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