Motorcycle Insurance

Motorcycle insurance is a breath of fresh air to have because you put yourself at risk while on the roads without it. We can help you get the insurance policy that fits your needs here at The Firebird Agency. In the event of an accident, if you do not have insurance, you will be financially responsible for any damages if you are at fault. You can also face penalties and consequences.

Motorcycle Insurance Requirements

To protect other riders as well as yourself, Arizona requires all motorcycle owners to obtain the minimum motorcycle insurance, which includes:

For one person, they must get bodily injury coverage of at least $25,000
For two or more persons, bodily injury coverage of $500,000 must be obtained
A person must also carry at least $15,000 in property damage liability

It is vital to carry bodily injury coverage since it covers lost wages, medical bills, and disability if another person gets injured in an accident. Property damage coverage is also essential to obtain because it covers repair expenses and replacements of another person’s landscaping, mailboxes, and of course, vehicles.

Additional Coverage

Coverage for motorcycles are similar to regular automobile coverage that includes:

Comprehensive- This option will cover your motorcycle if it is damaged by something other than a vehicle. Your repairs will be covered for damage resulting from fire, theft, hail, and many others.
Collision- This option will cover your motorcycle if it is damaged due to an accident with another vehicle.
Uninsured/underinsured- This will protect you against other drivers who do not have enough insurance to pay for damages or who do not have any insurance at all and are at fault for an accident.
Custom equipment- This will cover any aftermarket parts and any equipment that is not already installed on your motorcycle via the manufacturer.