Risks of Driving Without Motorcycle Insurance

​Come on, let’s face it, all of us have, at some point, tested the arm of the law and stretched out how far we can get away with it. As a motorist of any kind, you’re required by law to carry the necessary documentation when you’re on the road. Failure to do so might see you facing consequences you won’t like. 

Why Do You Need Motorcycle Insurance?
This cover not only protects you but other people on the road as well. No matter how careful a rider you are, motorcycles are one of the most dangerous rides. The risk of accidents is high, and financially, this may be taxing for you to cover on your own. Whether you’re at fault or not, motorcycle insurance saves you from inevitable costs from accidents.

Potential Penalties of Riding a Motorcycle Without Insurance
Driving without motorcycle insurance puts you at risk of several penalties. Though some may appear minor, a single strike against your record is sure to follow you forever. 
In order of the severity of the penalty, these include but aren’t limited to:

• Getting issues with a fine or driving ticket 
• Making a court appearance
• Traffic school documentation
• Higher premiums are charged when you eventually get insurance.
• Suspended or revoked driving license
• Your driver’s license points are affected.
• Being put on driving probation
• Getting detained or arrested 

Following whatever action against you, you might need to carry your motorcycle insurance for a specific number of years. You need to complete an SR-22 form as specified by your state. Any violation within this period might see you in even more of a jam than before. 

Basic Motorcycle Insurance Requirements
Apart from personal solvency, there are a bunch of reasons why you should get yourself insurance. There are a few basic requirements you’ll be expected to meet like:

1. Bodily injury liability coverage – for harm to another motorist
2. Property damage liability coverage – for damage to a third party’s property, e.g., car
3. Uninsured/underinsured insurance – damage to your vehicle 
4. Personal injury protection – covers you and your passenger’s medical bills

Conclusion 
While there’s a thrill that comes with being on the road with the wind in your hair, living on the edge doesn’t have to be risky. If you happen to forget to renew your motorcycle insurance, it’s best to park the bike until you’ve resolved the matter.

At Arnold Insurance Agency, LLC, we do our best in making sure that our clients are well-protected with affordable and comprehensive policies. We make sure to go the extra mile to help you with your needs. To learn more about how we can help you, please contact our agency at (318) 965-5953 or Click Here to request a free quote.