If you are looking for motorcycle insurance in Ohio, you are in the right place. We understand there are few greater feelings than the adrenaline, freedom, and excitement you get from the open road.
However, to truly enjoy this experience, it is vital to be properly insured in the event of an accident. Whether you are ready to get a motorcycle insurance policy now or have questions that you need to have answered first, we are here to help.
Ohio Motorcycle Insurance Laws
If you are operating, or have plans to operate, a motorcycle in Ohio, state law requires that you carry motorcycle insurance, as is required with any other roadgoing vehicle.
The minimum legal requirements for motorcycle insurance coverage in Ohio are as follows:
- $25,000 for bodily injury or death of another person.
- $50,000 for bodily injury or death of two or more individuals in an accident.
- $25,000 for property damage suffered by someone else in an accident.
It is important to note that these are minimum coverages. In a severe accident, your damages will likely exceed these minimums. Therefore, higher insurance coverages are recommended by insurance companies and personal injury attorneys alike to protect you from drastic consequences such as wage garnishment, or seizure of assets, in instances you don’t carry enough insurance and can’t pay when judged to be at fault.
What’s Covered with Motorcycle Insurance?
As a policyholder, you should know what exactly is covered by your Ohio motorcycle insurance policy. There are several coverages that are mandated, depending on the state. These include uninsured motorist coverage, property damage liability, bodily injury liability, personal injury liability, and more.
Uninsured Motorist Coverage
Uninsured, also known as underinsured, motorist coverage protects you from damages or losses that result from a driver who either has insufficient liability insurance or is not insured at all.
Uninsured motorist coverage has two types: bodily injury and property damage. This means that your policy will cover any accident with an uninsured or underinsured motorist resulting in physical harm to a person and damage to a vehicle.
Property Damage and Bodily Injury Liability
Property damage liability insurance covers damage to the other vehicle involved in an accident when you are at fault. For example, if your motorcycle collides with their vehicle, this covers the cost to repair their vehicle.
Bodily injury liability insurance is much like property damage liability in that it also comes into effect when you are at fault. Bodily injury liability will cover the other party’s medical bills that result from an accident.
Liability insurance is vital to protecting your assets in the event of an accident where you are at fault, and it is also required in Ohio.
Personal Injury Protection
Personal injury protection insurance covers your medical bills resulting from an accident. Additionally, it can pay for lost wages due to an injury that prevents you from immediately returning to work. Personal injury protection is no-fault coverage, so it tends to pay out faster because the insurance company is not delayed by determining who was at fault for the accident.
Additional Coverages:
Additional insurance options for your policy include collision, comprehensive, and accessory coverage.
Collision coverage pays for damage to your motorcycle, whether it hits, or is hit by, another vehicle.
Comprehensive coverage pays for damages not caused by a collision, such as theft, vandalism, or accidental fire damage.
Accessory coverage extends to those parts of your motorcycle not generally covered by insurance. Typically, this requires that you also carry collision or comprehensive coverage. Accessory coverage can compensate you for damages to your chrome parts, radio, certain windshields, saddlebags, backrests, seats, and more.
Where To Get Motorcycle Insurance
If you are looking for motorcycle insurance in Ohio, look no further than Zimmer insurance. We are a family-owned company with an established history of providing motorcycle insurance for motorcycle riders and families. Our excellent customer service and love of motorcycles make us a well-known and trusted provider for many Ohio families.
Motorcycle riding is well known to be significantly more dangerous than driving a standard vehicle. For this reason, we at Zimmer Insurance recommend maintaining full-coverage motorcycle insurance to ensure you are properly protected at all times.
If you already have motorcycle insurance in Ohio, we recommend checking out Ohio’s best back-road motorcycle routes!
Pro Tip:
For even better deals on our already competitive rates, we offer discounts if you bundle your home, car, or other property insurance with your motorcycle insurance policy! Are you looking for homeowners insurance in Cincinnati? Visit our website to browse homeowners insurance policies that you can trust!
How Much is Motorcycle Insurance in Ohio
The cost of motorcycle insurance in Ohio depends on several factors. Your age, location, gender, and the type of motorcycle you have all play a role in deciding the cost. These are all factors that are known to impact the chance of certain types of accidents occurring. For example, a younger person is much more likely to ride recklessly than a more experienced motorcyclist.
That being said, according to Value Penguin, the 2021 average cost of motorcycle insurance in Ohio is about $48 per month. This equates to $575 per year, making Ohio motorcycle insurance 18.03% cheaper than the national average.
Conclusion
At Zimmer Insurance, we understand the thrill and excitement that comes with motorcycle riding. However, as an Ohio motorcyclist, it is crucial to comprehend Ohio motorcycle insurance laws and to know how you are covered in the event of an accident.
If you are looking for a change in motorcycle insurance providers or are interested in purchasing motorcycle insurance for the first time, you are in luck. Zimmer Insurance is a trusted, experienced, family-owned company that will give you the dedicated attention you deserve as a valued customer. Give Zimmer Insurance a call today – 513-381-1919 – so that we can answer your questions and set you up with Ohio motorcycle insurance coverage that works best for you.
