Massachusetts Motorcycle Insurance

Riding a motorcycle is thrilling and dangerous, much more so than driving a car. Therefore to be on the roads of Massachusetts on your motorcycle, there are some legalities set by the state that need to be taken care of first. You need to wear a helmet and the motorcycle you ride needs to be insured to protect you from financial mess in case of any unfortunate event on the roads. The minimum amount of insurance coverage varies from state to state. You can check from any Massachusetts DMV office for the details.

After verifying the minimum amount of Massachusetts motorcycle insurance that the state requires you can look for any authorized insurance agent. When you are getting insurance rates it is advisable to get quotes from different sources in order to find the best option.

The insurance requirements for owners of two wheeled vehicle are as under:

  • If there has been an accident and a body injury to anyone then a minimum of $20,000 per person needs to be covered and $40,000 per accident should be insured.
  • If you have been harmed as in the case of personal injury then a sum of $8,000 will be paid to you or passengers.
  • If the bodily injury has been caused by an uninsured vehicle then also a minimum of $20,000 per person and $40,000 per accident should be covered.
  • If in an accident the damage has been done to someone’s property then the minimum insurance requirement that needs to be covered is $5,000.

After deciding for an insurance policy you will get a proof of the insurance. If your bike is a new one then the insurer will fill the RMV-1 form, have it stamped along with a signed application. You will need these documents when you apply for registration.  The proof would display the names of both the insurer and the insured. It would have date details for the time period it lasts and the limits of liability. Along with that, it would also have the motorbike details and description. You need to carry the insurance proof with you at all times when going on the roads.

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