Motorcycle Insurance in Illinois
We take motorcycle insurance very seriously here at Spring Grove Insurance in Spring Grove, IL. Motorcycle insurance is essential to have to keep yourself and your equipment protected in the event of an accident, damage, theft, vandalism, and much more. There are a variety of insurance policies that you can choose from for your motorcycle, depending on your needs.
Illinois Motorcycle Laws
If you own a motorcycle and you live in Illinois, you must have motorcycle insurance to ride your bike legally. You must also make sure that you meet the minimum liability requirements to ride legally in the state. For example, all motorcycle owners must at least have $20,000 for bodily injury coverage for each person. Owners must also obtain at least $40,000 for bodily injury coverage for each accident and $15,000 for property damage coverage. You could face some pretty severe penalties and fines for failure to obtain insurance for your motorcycle.
Motorcycle Insurance Policies
Liability amounts are much higher than any other state in the country. However, this still may not be enough coverage for your motorcycle. You may consider alternatives if you are looking for full coverage options such as:
- Collision - This policy helps keep your bike protected if you are involved in an accident.
- Comprehensive - This policy will help cover damages to your motorcycle that resulted from vandalism, theft, wind, fire, and even water. You would be responsible for the costs of damage repair if you do not have insurance.
- Uninsured/Underinsured - This policy will protect you against other drivers who either do not have enough insurance or do not have any insurance at all.
If you are in need of a quote, please contact the office of Spring Grove Insurance today. Our office is located in Spring Grove, IL. The only way to make sure you stay protected is by obtaining an insurance policy for your motorcycle.