Indiana’s roads offer a thrilling experience for motorcycle riders. But even the most cautious rider can be involved in a motorcycle crash. When an accident happens, the consequences can be severe. Medical bills, lost wages, and motorcycle repairs can quickly add up, leaving you or your family feeling overwhelmed.
This is where having the right motorcycle insurance comes in. Here at McGlone Law, we understand the importance of being prepared for the unexpected. While we hope you never experience a motorcycle accident, having the right insurance coverage can make a significant difference in your financial well-being if one occurs.
Essential Motorcycle Insurance Coverage in Indiana
- Bodily Injury Liability: This covers medical expenses and lost wages of others injured in a motorcycle crash you cause. Indiana requires a minimum of $25,000 per person and $50,000 per accident for bodily injury liability.
- Property Damage Liability: This covers damage to another person’s property caused by your accident. Indiana requires a minimum of $10,000 for property damage liability.
While these minimums meet the state’s requirements, they may not be enough to cover all the costs associated with a serious motorcycle accident. Consider increasing your liability limits to protect your assets.
Additional Coverage Options
- Collision Coverage: This covers repairs or replacement of your motorcycle if it’s damaged in a crash, regardless of fault.
- Comprehensive Coverage: This covers damage to your motorcycle caused by events other than a collision, such as theft, vandalism, fire, or weather events.
- Medical Payments Coverage (MedPay): This helps pay for your medical bills, regardless of fault, after a motorcycle crash.
- Uninsured/Underinsured Motorist Coverage (UM/UIM): This protects you if the person who caused your crash doesn’t have insurance or doesn’t have enough insurance to cover your damages.
Choosing the Right Coverage
The right amount of motorcycle insurance coverage depends on several factors, including the value of your motorcycle, your riding experience, your assets, and your comfort level with risk.
An experienced motorcycle accident attorney can help you assess your needs and choose the right coverage options.
McGlone Law is Here for You After a Motorcycle Crash
If you’ve been injured in a motorcycle crash in Indiana, our experienced personal injury attorneys can help. We understand the complexities of motorcycle crash claims and will fight to get you the compensation you deserve for your medical bills, lost wages, and pain and suffering.
Don’t wait to get back on the road to recovery. Schedule your free consultation with McGlone Law today by calling (812) 247-8416.
