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Ieuter Insurance Group Blog

All You Ever Wanted to Know About Insurance

Motorcycles: What You Need to Know!

Do you own a motorcycle? Do you understand the coverage you have for yourself and your passenger?

Motorcycles must be insured but this does not provide you complete protection under Michigan’s no-fault policy. To fill the gap you should purchase Medical Payments Coverage. This coverage helps with medically related expenses you incur for a motorcycle accident, even if you are at fault. It does NOT cover the medical costs to treat injuries to others you caused. It can assist in covering expenses YOU incur such as: health insurance deductibles, co-payments, dental, psychiatric visits, prescription drugs, home nurse care, or funeral expenses. This coverage is very similar to personal injury protection (PIP) coverage under the Michigan no fault policy for automobiles.

In order to meet the mandatory insurance requirements you will need at least the following: 

  •  $20,000 of coverage for bodily injuries or death involving one person in a single accident.
  • $40,000 of coverage for bodily injuries or deaths involving more than one person in a single accident.
  • $10,000 of coverage for property damage in a single accident.

**Please note we recommend higher limits of coverage for your protection.

 Michigan requirements for cyclists who chose to NOT wear a helmet:

  • Motorcyclists must be at least 21 years old

  • Motorcyclists must carry $20,000 in motorcycle PIP medical insurance (which will be woefully inadequate if any motorcycle rider is in an accident and suffers serious personal injury).

  • Motorcycle owners who choose to ride without helmets must pass a safety course (which right now is very hard to verify), or have a motorcycle endorsement for at least two years.

At Ieuter Insurance Group we have experts to help you decide what level of coverage will fit your needs. We will do everything we can to support your safety and preparedness as you head out on the road!