Most states in America require riders to have a motorcycle insurance policy. Depending on the state a rider lives in and their policy, the cost of their premiums might be well above or below the average in the country. Motorcyclists have at least $25,000 in bodily injury protection per person, $50,000 per accident, and $10,000 in property damage coverage which would commonly be displayed with slashes – 25/50/10.
In Georgia, the minimum liability coverage is 25/50/25 or…
- At least $25,000 for bodily injury or death of one person when a motorcycle crash occurs
- A minimum of $50,000 for bodily injury or death of at least two people in an accident and
- At least $25,000 to cover damages for one’s property as a result of an accident.
And while it’s not a requirement, Atlanta Personal Injury Law Group recommends motorcyclists also look into getting accident death and dismemberment (AD&D) insurance coverage in the event of a tragic accident. The loss of a family member can be a devastating time, AD&D is a unique type of insurance in the beneficiary of the policy will only receive benefits if the death was “accidental.” For example, death caused by a motorcycle accident, mechanical malfunction, or any other type of accident.
In Georgia, a rider must establish insurance in order to own or operate a motorcycle. Your most viable option for establishing motorcycle insurance in Georgia will likely be to buy traditional liability insurance through any auto insurance company. Motorcycle insurance is critical and may be your best source of financial security in the event of a serious crash-related injury.
If you are looking for a personal injury lawyer, then give the Atlanta Personal Injury Law Group a call at 404-649-5634 today.