Minnesota and North Dakota require that all motorcycle owners carry insurance on their bikes. Regardless of your experience level in riding a motorcycle, accidents can and do happen - even to the most skilled riders. Consequently, having adequate insurance coverage is imperative. Specific to Minnesota, motorcyclists must carry a minimum of $30,000/$60,000 bodily injury protection coverage and $10,000 property damage liability coverage. In effect, if you carry minimum liability insurance and are in an accident deemed to be your fault, the insurance company will pay a maximum of $30,000 for injuries to a third party and $10,000 for property damage. Keep in mind that this is just the minimum requirement and many riders will want to have additional coverage so that they minimize the likelihood of having to any out of pocket expenses.
In addition to insurance, all Minnesota and North Dakota motorcyclists must have a Class M license which is an add-on to your typical driver’s license. Other requirements include having a valid registration sticker, helmets for all riders under 18 or with a learner’s permit, and it is illegal to lane split or weaves out of traffic around other vehicles.
When it comes to finding motorcycle insurance, Wagner Insurance Agency LLC can help you find a policy that offers the right coverage within your budget. When shopping for insurance, keep in mind that not all two policies are the same with some companies offering different pros and cons that need to be evaluated before committing. Luckily for you, Wagner Insurance Agency LLC is committed to making your insurance experience a great one by working with you to identify your needs and find a policy that best meets those specifications. Give us a call today to schedule an appointment to talk with one of our friendly and knowledgeable insurance professionals.
With offices located in Lake Park and Hawley, MN, we serve clients across Minnesota and North Dakota.
