Summer in Michigan is wonderful. From Detroit to Marquette, the state’s beautiful landscapes and scenic routes make it an exciting place for motorcyclists to explore. But with the freedom of the open road comes the responsibility to ride both safely and adequately insured. Understanding Michigan's specific motorcycle insurance requirements is important for every rider. Here’s what you need to know about Michigan motorcycle insurance to keep yourself safe.
Understanding Michigan's Motorcycle Insurance Laws
Michigan's no-fault insurance laws are unique, and they apply differently to motorcycles than they do to automobiles. Motorcyclists must carry a minimum level of insurance to legally ride. This includes:
Property Protection Insurance (PPI): This covers up to $1 million for damage your motorcycle does to someone else's property, such as buildings or fences.
Residual Liability Insurance: This protects against claims from others for bodily injury, death, or property damage under certain conditions.
It's important to note that, unlike passenger vehicles, motorcycles are not entitled to Personal Injury Protection (PIP) under the state's no-fault system. This means medical expenses resulting from a motorcycle accident could prove to be a significant financial burden without the right coverage.
Choosing the Right Michigan Motorcycle Insurance Coverage
While Michigan law sets minimum insurance requirements, these may not provide adequate protection for many riders. Here are additional types of coverage you might consider adding to your Michigan motorcycle insurance coverage.
Collision Coverage: This pays for damage to your motorcycle in the event of an accident involving another vehicle or object, regardless of fault.
Comprehensive Coverage: This type of coverage protects you from non-collision incidents such as theft, fire, or vandalism.
Uninsured/Underinsured Motorist Coverage: Unfortunately, there are drivers who illegally operate without insurance, so this coverage protects you if you're involved in an accident with someone who is uninsured or whose insurance is inadequate to cover your costs.
Medical Payments Coverage: Since PIP is not available for motorcyclists, this coverage can help pay for medical treatments following an accident.
Safety First: Tips for Michigan Motorcyclists
Beyond insurance, riding safely is paramount for enjoying Michigan's roads. Here are some safety tips:
Wear Protective Gear: Always wear a helmet (it's the law in Michigan for most riders), along with protective clothing, gloves, and eye protection.
Take a Safety Course: Even experienced riders can benefit from courses offered by the Michigan Secretary of State or other organizations. Completing safety courses can often result in insurance discounts.
Stay Visible: Use reflective gear and keep your lights on while riding to make sure you're seen by other drivers, especially at dawn, dusk, or in poor weather.
Ride Sober: Never ride under the influence of alcohol or drugs. They significantly impair your ability to operate a motorcycle safely.
Understanding and complying with Michigan's insurance laws not only protects you financially but also enhances your riding experience. Choosing the right insurance coverage for your needs and prioritizing safety will help make every ride more enjoyable. Have fun on the beautiful roads of Michigan this summer!
COREY VANDERMEER | PRESIDENT
Corey started his insurance career in the claims department for a national carrier and learned the basics of insurance coverage and how it’s applied. From there he decided to take the jump into sales and joined an independent insurance agency. Here he learned how to build coverage around the needs of each individual and cater to every client. When Corey decided to start an insurance agency he did so with the intention of simplifying the process of getting insured. With a focus on technology and simplicity; his goal was to create an insurance agency that was different from those currently dominating the market place.
When he’s not working, Corey enjoys golfing, fly fishing and spending time with his wife and kids. Together they enjoy traveling to Northern Michigan and to his wife’s hometown of San Francisco.