When it comes to liability insurance you will generally find that the larger the vehicle, the more liability coverage you’re going to need. The thinking is simply that a truck can do more damage than a car. But liability is still incredibly important no matter the size of your vehicle.
If you are found at-fault in an accident, it might not just be the damage caused directly by your vehicle. While a motorcycle is unlikely to knock another vehicle off the road, a motorcyclist is just as likely as any driver to set into motion a chain reaction that causes a lot more damage than the initial collision. This goes for any type of bike or ATV. Whether it’s a scooter, a moped, a four-wheeler or a dirt bike, the initial collision might not be that severe, but if it sets off a three-car pile-up, the cost of covering those damages can stack up quickly.
The general rule of thumb in calculating your liability coverage comes down to where you live and how long you’ve been riding. A long-time rider in a rural area of Arlington, TX for instance is likely to do far less damage in an accident than a new motorcycle owner in a crowded city. In any event, liability costs are where a lot of the money goes when a claim is filed. Repairing or replacing your motorcycle is an expense that will ultimately be limited by the value of the bike, but there’s no telling what other damages may be incurred.
Whatever you ride or drive, you need to be protected, and that’s why Strack Insurance Services is here. Get in touch to see what we can do for you.