Many motorcyclists enjoy driving the streets and highways of North Carolina. As a result, North Carolina has laws that dictate the legal requirements for motorcyclists and drivers. Both drivers and motorcyclists are required to carry insurance. The Steiner Insurance Group of Nashville, NC is committed to helping motorcyclists understand the laws and get the necessary coverage. An insurance agent can help motorcyclists understand their coverage options.
Is Motorcycle Insurance Required in North Carolina?
Yes. Both drivers and motorcyclists are legally required to carry motorcycle liability insurance that meets the state minimum requirements. The motorcycle laws apply to all motorcycles and motor scooters. Liability coverage should include $30,000 in bodily injury coverage and $60,000 in bodily injury coverage per accident. Motorcyclists are also required to carry $25,000 in property damage coverage. Although motorcyclists are only legally required to carry liability insurance, more insurance could be required in some situations. If you lease your motorcycle or have a motorcycle loan, the lender usually requires full coverage insurance.
Will motorcycle insurance pay for the damage I caused to my neighbor’s mailbox?
Yes. Typically, property damage is covered by liability insurance. Property damage coverage will also pay for the clean-up/removal of debris from an accident or situation. North Carolina laws require all motorcyclists to carry liability insurance. Liability insurance includes property damage coverage. If you damage your neighbor’s mailbox, your property damage coverage will pay for the repair or replacement of your neighbor’s mailbox. You/your neighbor can file a claim with your insurance company that covers the repair or replacement of the mailbox. If you have questions about motorcycle insurance and the coverage it provides, call us. We’d be happy to help you explore all of your options.