Motorcycle Insurance in Leesburg, VA

Motorcyclists need motorcycle insurance just like car drivers do. In addition to helping meet state requirements, motorcycle insurance can provide crucial financial protection if you’re in an accident. Contact Academy Insurance Agency in Leesburg, Virginia, to learn more about motorcycle coverage.

How Much Motorcycle Insurance Do I Need?

Motorcyclists in Virginia need to ensure they comply with state laws regarding insurance. To do so, they must purchase a policy that meets the state minimum requirements or pay an annual uninsured motorist fee. If a rider chooses to pay the uninsured motorist fee, they receive no financial protection and are left responsible for coving at-fault accident expenses out of pocket. If riders purchase insurance to comply with state law, they receive essential coverage.

State laws set minimum amounts of bodily injury liability and property damage liability required in a motorcycle insurance policy.

• Bodily injury liability coverage can help cover costs, such as medical bills and lost wages, arising from third-party bodily injuries you cause while riding.
• Property damage liability coverage can help pay for third-party property damage you cause while driving your motorcycle.

Policies must also generally offer uninsured/underinsured motorist coverage, but that coverage may be waived. Uninsured/underinsured motorist coverage can help pay for medical care for you and your passengers if you’re in a hit-in-run incident or an accident with an uninsured or underinsured driver.

Work with your agent to ensure you meet the applicable laws and carry the insurance you need. Accidents may exceed minimum coverage amounts, so securing a policy that provides sufficient financial protection is important.

What Does Motorcycle Insurance Cover?

In addition to liability and uninsured/underinsured motorist coverage, riders can typically increase motorcycle insurance protections by upping coverage limits or adding additional coverages to their motorcycle insurance policy, including the following examples:

• Collision coverage
• Comprehensive coverage
• Coverage for customized motorcycle parts and equipment
• Total loss coverage
• Roadside assistance coverage
• Medical payments coverage (MedPay)

Contact Academy Insurance Agency for more information on our motorcycle insurance policies.

Can I Get Motorcycle Insurance Coverage Without a License?

You may have a difficult time finding insurance if you do not have a motorcycle license as many insurers won’t offer motorcycle insurance in those circumstances. If you are in a situation where you need insurance but don’t have a motorcycle license (e.g., you are a motorcycle collector who doesn’t ride) reach out to our agents who can help find suitable coverage for you.

Where Can I Buy Motorcycle Insurance?

We’ve been helping clients find the right insurance coverage for over five decades. Contact Academy Insurance Agency for a customized motorcycle insurance quote and to speak to an insurance agent.