Motorcycle insurance is required to ride or register a bike in Virginia. You need a motorcycle policy, and Emporia Insurance Agency LLC can help you choose the right policy for your needs.
There are two basic types of motorcycle insurance. It's very similar to car insurance. These are liability and collision coverage.
You are required to have liability insurance under Virginia law. Virginia is a tort state, which means you are responsible for the other driver's expenses if an accident is your fault.
Liability insurance protects you in this scenario. It will cover the other party's expenses up to the coverage limit.
Collision coverage will pay to repair or replace your bike in an accident, even if the accident is your fault. This isn't required by law. However, if you have a loan for your bike, the lender will probably require this coverage.
Along with collision coverage is comprehensive coverage. This covers damages to your bike that aren't caused by an accident, including fires, theft, and vandalism.
There are a few other types of coverage you should know about as well.
You'll also need uninsured motorist coverage. If the accident is the other person's fault, and they don't have insurance or do not have enough insurance, you will be covered under this policy.
PIP, or MedPay in Virginia, is a type of personal injury protection. This means that if you or a family member are harmed in an accident, the expenses are covered by the insurance policy.
Medical Payments Coverage is a component of your liability policy. It will cover other parties' medical expenses in the accident if it's declared your fault.
If you need motorcycle insurance in Virginia, contact us at Emporia Insurance Agency LLC. Our agents will take the time to understand your needs and help you select the best policy.
