Massachusetts motorcycle insurance is mandatory for anyone who wants to enjoy riding a motorcycle vehicle in the state. Affordable motorcycle insurance is available from a broad range of companies. However, residents who wish to get motorcycle insurance need to understand several important aspects of coverage. Aside from asking, “How much is motorcycle insurance in Massachusetts?” motorcycle owners should also know that the Registry of Motor Vehicles (RMV) manages the rules and regulations regarding motorcycles and insurance requirements. However, a motorcycle insurance quote and the cost of coverage policies are in the hands of the hundreds of private insurance companies in the state. Get more details about how to get motorcycle insurance in Massachusetts and where to find cheap motorcycle insurance in the sections below.
Types of Motorcycle Insurance in Massachusetts
Before inquiring about motorcycle insurance cost, drivers should know which types are available and required. Getting motorcycle insurance in Massachusetts requires that potential beneficiaries understand the minimum coverage required by the Registry of Motor Vehicles (RMV) and the Division of Insurance. The RMV determines policy requirements and more rules and regulations required for owning a motor vehicle in the state. In Massachusetts, minimum motorcycle insurance requirements for all owners include property damage coverage ($5,000 per accident) and bodily injury to others ($20,000 per person and $40,000 per accident). As a “no-fault” state, Massachusetts requires that motor vehicles usually have Personal Injury Protection (PIP) as well. However, motorcycle coverage is exempt from this requirement.
In addition to the minimum requirements, the best motorcycle insurance policies have additional coverage, such as PIP and collision. Additionally, it is important to note that most MA motorbike insurance policies do not all damages. A full coverage motorcycle insurance policy is often recommended to ensure the most satisfactory benefits.
How to Get Motorcycle Insurance in Massachusetts
Motorcycle insurance in Massachusetts is a requirement for all riders. To find affordable motorcycle insurance, drivers have many avenues leading to coverage. Potential beneficiaries may find ads for insurance companies in a variety of places, such as billboards, bus stops, television and on the radio. Furthermore, motorcycle insurance companies offering coverage policies can be found on the internet. Many riders often seek motorcycle insurance online for the most convenient research method. However, finding contact information for insurance companies is only the beginning. Drivers seeking coverage should get motorcycle insurance quotes from various companies to compare policies and find the one that is best.
The process to get motorcycle insurance involves several pieces of essential documentation. Without the proper information, a company will not insure a rider and the rider will not be legally allowed to take the vehicle on the road. To get motorcycle insurance in Massachusetts, the following documents are required:
- A valid drivers license
- Motorcycle Registration with Vehicle Identification Number (VIN)
- Title of the vehicle
Benefits of Motorcycle Insurance in Massachusetts
Massachusetts motorbike coverage is mandatory. Therefore, a rider should not hesitate to get motorcycle insurance as it provides many important benefits. Even the cheapest motorcycle insurance will alleviate some of the financial burdens that come with a serious traffic accident. For instance, if the financial cost of an accident is $1,000, then the motorcycle insurance policy might cover the full amount. However, the uninsured rider will face a host of consequences in addition to paying the full amount for damages. Furthermore, motorcycle insurance in Massachusetts, will cover many medical bills for some or all parties involved in an accident, depending on the policy. .
Consequences of Not Having Motorcycle Insurance in Massachusetts
Driving without insurance for motorcycle vehicles is illegal in Massachusetts and is cause for additional fines and penalties from the state. The consequences of not having motorcycle coverage in Massachusetts include a handful of increasingly severe fines and penalties that may cause additional problems as well. For example, motorbike owners who do not have motorcycle insurance may receive a drivers license suspension or revocation. If the motorcycle is the driver’s primary form of transportation, then having no license will make commuting to work, the grocery store or other vital locations much harder. Tickets are issued to riders without insurance and incurring too many tickets will result in a suspension of driving privileges. In turn, riders without motorcycle insurance in Massachusetts will receive points levied against them in the state’s Safe Driver Insurance Plan (SDIP), which will increase the cost of insurance going forward.