Motorcycle Insurance in Alabama

Driving a motorcycle is similar to driving a regular automobile. You must do everything in your power to protect your investment. You can do this by purchasing an insurance plan from us here at Russ Richardson Agency in Birmingham, AL. We offer various options to protect your motorcycle, including liability and collision.

Motorcycle Insurance Requirements

You are legally required to purchase motorcycle insurance in Alabama. You must also show proof of insurance when registering your bike with the state. You will at least need to obtain property damage and liability protection.

• Bodily injury for each person for $25,000
• Bodily injury for more than two people for $50,000
• Property damage liability for $25,000

If you get into an accident where the damages exceed your liability limits, you could pay the difference out of pocket and select higher limits for your own peace of mind.

Motorcycle Insurance Coverage

Here is what motorcycle insurance covers:

• Comprehensive- If your motorcycle is damaged following theft, hail damage, or vandalism, this will cover the repair expenses to fix your bike.
• Collision- If your bike becomes damaged after an accident with another vehicle or object, this will cover the expenses of repairing or replacing your motorcycle.
• Uninsured/underinsured- If you get into an accident with another motorist who doesn’t have insurance, and that driver is found at fault, this will cover your lost wages and medical expenses.
• Medical payments- This pays for medical expenses and funeral expenses for both you and your passengers following an accident, no matter who is at fault.
• Custom equipment- This will cover any aftermarket part on your bike that the manufacturer did not originally install.
• Roadside assistance- A field rep will be sent to your location to assist with gas delivery, flat tire changes, towing, and more.

Quotes

To obtain a motorcycle insurance quote, call us here at Russ Richardson Agency. We are located in Birmingham, AL.