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Motorcycle vs. Auto insurance in North Carolina

On Behalf of | May 30, 2024 | Car Accidents

If you’re a motorcyclist or motorist, you know that insurance is essential to vehicle ownership. Why? It provides some financial protection in case of unforeseen incidents.

If you’re a North Carolina resident, you should know that the requirements and specifics of insurance policies can vary significantly between motorcycles and automobiles. Understanding these differences is crucial for helping to ensure you acquire adequate coverage and compliance with your state’s laws.

Key distinctions

In the Tar Heel State, both motorcycle and auto insurance are mandatory, but they come with distinct requirements and coverage options. While both types of insurance aim to protect vehicle owners and others on the road, the nature of motorcycles compared to cars necessitates unique considerations.

When you subscribe to a vehicle insurance policy, you should expect coverage for bodily injuries and property damages you cause to others in an at-fault accident. That said, the minimum required coverage amounts differ, and your provider can only provide insurance coverage up to your policy limit. For example, if you’re a motorcyclist, the state requires that you have the following minimum coverage:

  • $30,000 per person for bodily injury liability
  • $60,000 per accident for bodily injury liability
  • $25,000 per accident for property damage liability

Suppose you’re a motorist; the state requires your auto insurance policy to provide the same minimum coverage as is the case for motorcyclists.

Add-ons beyond the state minimum

Aside from your basic insurance policy, you can opt for add-ons beyond the state minimum. If you’re a motorist, you might want to insure your vehicle against collisions with other objects. In that case, you should explore collision and comprehensive coverage. This coverage should also cover your bike’s non-collision incidents.

Since most vehicle accidents are often accompanied by seeking medical care, you might want to subscribe to a medical payment coverage. As the name of the coverage suggests, it can help relieve some financial burdens associated with your medical treatment in the aftermath of an accident. If you’re a motorist, you should particularly consider this insurance add-on due to your increased risk of injuries.

Whether you’re a motorist or motorcyclist, understanding the key distinctions between motorcycle and auto insurance in the Tar Heel State can help you make informed decisions about your vehicle insurance coverage. Remember, the right insurance plan can protect you financially and give you greater peace of mind to “enjoy the ride” on your terms.