Category: Motorcycle Insurance

Understanding Motorcycle Insurance Requirements in Georgia

At the Birdsong Agency LLC, we frequently inform motorcycle owners newly relocated to Snellville, GA, and Gwinett County that Georgia’s legal obligations necessitate more coverage than their previous state.

Georgia’s Higher Minimum Liability Coverage

Principally, Georgia requires a higher minimum liability coverage for motorcycle operators than many states. Bullseye; bodily injury liability insurance of $25,000 per individual and $50,000 per mishap. Besides, your insurance must cater to $25,000 in property damages. This contrast is notable in light of Florida’s lower requirements of just $10,000 in personal injury protection (PIP) and property damage.

Why Comprehensive Coverage Is Significant in Georgia

Motorcycle owners in Georgia are not compelled by the state to have insurance that compensates them for bike damage or theft. This level of protection is accorded when you opt for comprehensive coverage in your policy. However, motorcycle theft coverage is valuable in Georgia, given that the state records higher motorcycle theft rates compared to states with a greater number of motorcycles, such as Ohio and Pennsylvania, and even neighboring states, such as South Carolina and North Carolina. Motorcycles often stolen include "crotch rockets" and sports bikes due to their flashy, expensive appearance. Thefts of Honda, Kawasaki, and Suzuki bikes are observed to increase annually.

Georgia as a Fault-Based Insurance State

Georgia’s fault-based insurance rule means that if you cause an accident, you are liable for all damages incurred, including your own. Hence, comprehensive and collision coverage are essential, or else you’ll shoulder the repair costs independently.

Contact the Birdsong Agency Inc.

For all your motorcycle insurance needs in Snellville and the greater Atlanta region, Birdsong Agency Inc. is more than ready to guide you. Plan your visit today!

Motorcycles can offer a lot of fun and are a great way to get around town or the countryside. Motorbikes have been around for quite a long time, but they’ve certainly evolved over the years. Whether you’re driving a classic or modern bike, if you’re hitting the road, it’s crucial to take out motorcycle insurance as it can help mitigate risks. Contact Birdsong Agency Inc., serving Snellville, GA, to discuss motorcycle policy options.

Interested in the history of motorcycles? Let’s take a quick tour.

The Early Years of the Motorcycle

A few steam motorcycles started to appear in the 1860s and beyond but largely remained impractical. The first combustion motorcycle, the Daimler Reitwagen, hit the road in 1885, at about the same time that Karl Benz was launching the first combustion automobile. Motorcycles quickly took off, and by the 1890s, factories were pumping them out.

Many of the first motorcycles were actually based on pedal bike designs. Further, many earlier inventors and companies, like Daimler, shifted from motorcycles to automobiles. Still, a few major brands that are still around, like Triumph Motorcycles, were founded in the late 19th century. In the United States, the first automobile insurance plan was sold in 1897 to Gilbert Loomis in Ohio, paving the way for motorcycle insurance.

In the United States, Indian motorcycles began production in 1901, and Harley-Davidson took off in 1903. Still, demand for motorcycles remained somewhat limited until the outbreak of World War I. During the war, messengers and others needed to get around quickly, and motorcycles became a go-to choice.

Today, motorcycles are largely seen as recreational vehicles in the United States, Canada, and North America. In other regions, like South Asia, they are a favored mode of everyday transportation. Further, by the 1970s most states were requiring vehicle operators to take out insurance policies like motorcycle insurance.

Reach Out To Us

Contact Birdsong Agency Inc., serving Snellville, GA and surrounding areas, to explore motorcycle insurance plans.

There are a few states that don’t require drivers to carry motorcycle insurance. However, most states do. Like a car, a motorcycle is a moving motorized vehicle that navigates the roads, streets, and highways just as cars do. As a result, motorcycle insurance is a legal requirement. Our Birdsong Agency Inc. team in Snellville, GA helps Georgia drivers get the insurance they need.

What is Motorcycle Insurance?

Motorcycle insurance provides liability coverage for damage to other people’s property, injury to others, and damage to other people’s vehicles, motorcycles, or RVs. Motorcycle insurance can also cover collision damage to your own motorcycle, theft, fire, and damage caused by natural disasters. People who operate motorcycles are legally required to carry motorcycle insurance that meets the state minimum requirements.

Am I required to carry motorcycle insurance in Georgia?

Georgia is a state that requires people who drive motorcycles to carry liability motorcycle insurance. Similar to car insurance requirements, motorcycle drivers must carry coverage that provides protection for other drivers and their property if found at fault. Liability coverage provides legal protection for people who operate motorcycles if they’re found at fault for an accident. Many people would find it difficult to pay damages to others out of pocket. 

Contact Us Today

Georgia state laws require all motorcycle drivers to carry coverage that meets the state’s specified minimum liability requirements of $25K for a single accident for personal injuries and death, $50K to cover the deaths of all people involved in a single accident and $25K worth of property damage per accident. If you have questions about motorcycle insurance, call us at Birdsong Agency Inc in Snellville, GA. We’d be happy to help you explore your options. 

Motorcycles are one of the most exciting types of vehicles to own. In order to make the most of your bike ownership, Birdsong Agency Inc, serving Snellville, GA is here with tips and advice. Keep reading to learn more. 

Keep Up Maintenance 

Because a motorcycle is exposed to the elements in a way most other vehicles are not, it is imperative that you stay up to date on all maintenance. A motorcycle can be a great investment when you take good care of the vehicle. Motorcycles do not have the same type of deprecation that other vehicles have. This means that your bike will retain its value well if you take good care of it. 

Garage Your Bike 

Your motorcycle will stay in great shape if you garage your bike properly. Leaving your bike out in the elements for long periods of time will eventually have a negative effect on the functionality of the bike, its appearance, and its value. If you do not have a suitable garage available, you will want to invest in the proper type of bike cover. These covers will protect your vehicle from the elements while outdoors. 

Don’t Take Risks

Driving a motorcycle carries with it a greater amount of risk than a regular vehicle would. A rider is more vulnerable to injuries if an accident does take place. This is why it is important that bike owners do not take any necessary risks while operating their bike. It is also important to make sure you are properly insured so that in the event of an accident, you will not wind up with substantial repair or medical bills. 

If you would like to learn about motorcycle insurance or any of our other insurance products, please contact Birdsong Agency Inc, serving Snellville, GA and the surrounding areas.