Should You Carry More Personal Injury Coverage for Motorcycle Insurance than Auto Insurance?

Riding a motorcycle is dangerous. Even a minor accident can cause major injury to the motorcyclist. As such, you may find yourself wondering how much personal injury coverage, also called bodily injury coverage or personal injury protection, you need on your motorcycle insurance policy. This is a topic that we at StateChoice, serving the greater West Hartford, CT area, are often asked. Here is some information you want to consider. 

In the state of Connecticut, the minimum bodily injury coverage you are required to carry is $20,000. However, if you are involved in a motorcycle accident, it is likely that you will go over this amount. Going via ambulance to the hospital, being seen by an emergency room professional and have x-rays or other scans of your body will likely eat up this full amount. As such, it is strongly recommended that you obtain more than the minimum coverage if you are riding a motorcycle. 

Many people wonder if they should carry more coverage for motorcycle insurance than they carry for auto insurance. Unfortunately, this is a tough question to answer. While you are more likely to sustain a greater bodily injury in a motorcycle crash, you can be injured in a car accident as well. As such, many insurance agents recommend selecting the right coverages for both motorcycle and auto insurance, regardless of how much you carry on one policy versus another. 

If you are unsure how much coverage you need for motorcycle insurance, contact StateChoice, serving the greater West Hartford, CT area, today. We can take a look at your policy limits, your medical coverage, and your finances and help you determine what coverage levels are ideal for you. Call us now to get started.