Motorcycle Insurance Requirements in Idaho
In order to legally operate your motorcycle in Idaho, you have to prove financial responsibility. While the easiest way to do this is with liability insurance, there are also some other options. You can make a cash deposit with the state treasurer or maintain a surety bond from an authorized broker. If you choose the liability insurance, you need to have $50,000 per injury per accident and $5,000 for property damage. These minimums only cover others who get injured or have their property damaged and doesn’t cover your injuries or damages. Even though in Idaho only riders who are under 18 years or younger are required to wear a helmet, wearing a helmet doesn’t affect your insurance rates.
You may also want to be able to cover your own damages to your bike or your injuries with insurance so that you aren’t in financial trouble if you do get into an accident. Collision coverage will help pay for damages to your motorcycle that come from an accident. Comprehensive insurance will help cover damages to your motorcycle that occur because of a non-accident. Some of these events can include fire or vandalism. Medical payments can help pay for your injuries if you are hurt while riding your bike. Towing and labor can help pay for any roadside assistance and towing that needs to happen if your motorcycle breaks down. If you aren’t going to be riding your motorcycle in the winter, check with an agent at Insure It All in Idaho Falls, ID. You may be able to get layup insurance, which will still protect you against thefts and certain other events that can occur while you keep your bike in storage while also lowering your insurance costs. If you do take your bike out during the lay-up period and get into an accident, you won’t be covered.
Contact Insure It All, serving Idaho Falls, ID, to get a quote on motorcycle insurance.