The Connecticut Department of Motor Vehicles requires owners of motorcycles to obtain liability insurance and provide proof of coverage in order to register their vehicles. Proof of insurance must also be kept with the motorcycle at all times.
The state minimums for motorcycles are similar to the requirements for car insurance, but there are some differences.
The minimum requirements for Connecticut motorcycle insurance are $20,000 for bodily injury per person, $40,000 for total bodily injury if two or more people are injured in an accident, and $10,000 to cover property damage. These are only the minimum amounts of coverage required by the state of Connecticut. Insurance companies offer owners of motorcycles the option of obtaining higher coverage limits.
Liability motorcycle insurance coverage will only pay for damage and injuries that you cause to others. It will not pay for costs associated with injuries to you and damage to your motorcycle.
You can obtain optional motorcycle coverage to provide you with better protection. Collision will pay for damage to your motorcycle if you are in an accident. Comprehensive coverage will pay for damage caused by something other than a traffic accident, such as vandalism or hitting an animal. Medical payments coverage will pay for costs associated with injuries you suffer as a result of an accident. Towing and labor coverage can help if your motorcycle breaks down.
The greatest risk for motorcycle owners is the danger of head injuries. Wearing a helmet while riding can greatly reduce that risk. Some insurance companies give motorcycle owners discounts on rates if they wear helmets every time they ride their bikes.
Petruzelo Insurance provides insurance coverage for motorcycle owners in Connecticut. We can help you choose the combination of coverage you need for liability, collision, medical payments, and other needs. Contact us today to get a quote.