Is Motorcycle Insurance Required in Indiana?

Our agents at the Wise Insurance Agency serving the Ft. Wayne, IN area know that you cannot wait to hop on your motorcycle and travel throughout the beautiful state of Indiana, but they want you to have the proper amount of motorcycle insurance to keep you and your bike adequately protected.

Is Motorcycle Insurance Required in Indiana?

The short answer is yes, you are required to have motorcycle insurance in the state of Indiana. The law even states that you must have proof of property liability and injury insurance before you can even register your motorcycle with the state Bureau of Motor Vehicles. This type of insurance policy will help you pay for any damages or injuries that you cause with your bike if you become involved in an accident.

Other coverage options

One of the best coverage options you can get for your motorcycle is comprehensive insurance. This will protect your bike if it is stolen or if it becomes a victim of a tornado or other natural disaster, a fire, or even an act of vandalism.

Collision insurance is also very important because it will help you pay for any damages to your bike if you collide with another vehicle or even a stationary object while you are out riding.

Other types of motorcycle insurance include medical payment insurance and underinsured or uninsured motorist coverage. Both of these types of insurance will protect you financially if you’re involved in an accident while you are out on the road.

Consult With Us

To create the best motorcycle insurance policy for you and your beloved motorcycle, contact our agents at the Wise Insurance Agency serving Ft. Wayne, IN today to get your policy started.

Do I Need To Take a Motorcycle Safety Class?

Even if you have been driving a motorcycle for years, it is always important to stay fresh on road safety. Here at Wise Insurance Agency, serving Ft. Wayne, IN, and the surrounding areas,  we want to help bike owners make wise choices on the road.

Who Needs Motorcycle Safety Classes?

These types of safety classes are intended for people who have never driven a motorcycle and for people who have driven before but need a refresher. Driving a motorcycle is very different from driving other types of vehicles. The rules are slightly different for bikes. If you have never driven a motorcycle or if you are very new to driving one, you will definitely need to invest in a good, thorough motorcycle safety class. 

These types of classes are also a good idea for people who have experienced a bike wreck. 

Are Safety Classes Free?

Most safety classes are not free, but you can think of this as an investment into your future safety and well-being. In addition to this, taking a motorcycle safety class will decrease your chances of being in an accident. The fewer accidents you are involved in, the better insurance rates you will qualify for. 

Some insurance policies also offer discounts for those who are willing to take a safety class as well. This can help to save you money in the long run. 

Are Safety Classes Required By Law?

Motorcycle safety classes are not often required by law. However, it can help to make you a safer biker on the road, which benefits everyone. 

If you would like to learn about motorcycle insurance coverage, please contact us at Wise Insurance Agency serving Ft. Wayne, IN and the surrounding areas. 

What Are Some Common Optional Motorcycle Insurance Coverages?

Motorcycle insurance is a must for all riders. But what kind of coverage should you get? There are many optional motorcycle insurance coverages available, and it can be tough to decide which ones are right for you. Consult with Wise Insurance Agency in Ft. Wayne, IN to understand your options and help determine what’s right for you.

Here are some of the most common optional coverages:

Roadside Assistance

Roadside assistance is great coverage if you’re worried about breakdowns or accidents. This coverage can help you get back on the road quickly and safely. Consider adding this coverage to your policy if you’re a frequent rider. It could save you a lot of time and money in the long run.

Towing and Labor Coverage

If you’re stranded on the side of the road, this coverage can help get you and your bike back home. This coverage typically reimburses you for the cost of a tow up to a certain limit. It may also cover the cost of labor if you need to have your bike repaired on the spot.

Custom Parts and Equipment Coverage

This coverage is vital for bikers who have made significant investments in customizing their motorcycles. If your bike is damaged or stolen, this coverage can help you cover the cost of repairs or replacement. Talk to Wise Insurance Agency in Ft. Wayne IN, to ensure your investment is well protected.

Medical Payments Coverage

If you’re injured in an accident, medical payments coverage can help cover your medical expenses. This type of coverage is often included in health insurance policies, but it’s worth considering if you don’t have health insurance.

Contact Us Today

There are many optional motorcycle insurance coverages available, and the right choice for you will depend on your specific needs. Consider your riding habits and the value of your bike when choosing which coverages to add to your policy. Remember, Wise Insurance Agency in Ft. Wayne, IN is always here to help you make the best decision for your needs. Give us a call today.

Motorcycle Coverage Options

If you live in the Ft. Wayne Indiana area, you are required to have motorcycle insurance under the state laws of Indiana which applies to any motor vehicle that is driven on public roadways, streets, and highways. The motorcycle insurance agents at the Wise Insurance Agency in  Ft. Wayne, IN are explaining the different options that are available to you when it comes to motorcycle insurance coverage.

Liability Insurance

Liability insurance is the type of policy you must have to legally drive your bike on public highways in Indiana. This type of coverage will assist you in paying the bills for any injuries or property damage you occur in an accident that is your fault.

Underinsured or Uninsured Motorist Coverage

This type of coverage provides protection for you, your bike, in any passengers you have on your bike at the time did it crash occurs with a person who does not have any insurance or does not have enough insurance to cover the damages.

Comprehensive Motorcycle Insurance

This type of motorcycle insurance is a great type of coverage to have since it will help you repair or replace your bike if it is damaged due to a natural disaster, an act of vandalism, or a fire. This type of policy may be required by your lender if you borrowed the money to purchase your motorcycle since it will also replace it if it is stolen and will protect their investment as well as your own.

Collision Motorcycle Insurance

Collision insurance will help pay for repairs to your bike if you collide with another vehicle or an object of some sort.

Get the Coverage You Need

To create a motorcycle insurance policy that works for you and your situation, contact the agents at the Wise Insurance Agency in Ft. Wayne, IN today to get your policy started.

What Does Motorcycle Insurance Cover?

Owning a motorcycle in Ft. Wayne, IN, is not only fun but convenient as well. However, with that excitement, you are also responsible for ensuring you are protected when you hit the roads. If you are unsure which coverage is right for you, Wise Insurance Agency explains some of them and how they protect you.

Bodily Injury Liability

This type of coverage helps cover medical expenses and lost wages resulting from injuries or death of another person when you were at fault. However, note that if you get injured, this coverage will not cover your medical expenses, and you need a separate policy for that.

Property Damage Liability Coverage

If you get into an accident and damage someone else’s property where you are at fault, this type of coverage helps cover the cost of repairing or replacing the damaged items. It can be damage to someone’s car, fence, home, or any other structure.

Medical Payments Coverage

Medical payments coverage helps pay for medical bills like x-rays and ambulance rides arising from injuries to you or your passengers after an accident on your motorcycle. With this coverage, you do not have to go back into your pocket as your insurance company takes care of these expenses.

Collision Coverage

This type of coverage is particularly important when your motorcycle gets damaged in a collision with other objects like a tree, a car, a building, or another bike. Collision coverage will help cover the repair or replacement costs for your motorcycle.

Comprehensive Coverage

Any damage to your vehicle that is not a result of a collision is covered under comprehensive coverage. This includes things like theft, vandalism, wind, and flooding. If your vehicle suffers damage from those risks, this policy helps cover the resulting expenses.

Getting motorcycle insurance is crucial if you want to feel confident on the road. Residents of Ft. Wayne, IN, who are looking for coverage that will meet their needs can contact Wise Insurance Agency for assistance on choosing a policy.

How Does Motorcycle Insurance Work?

Here at the Wise Insurance Agency serving the Ft. Wayne, IN area, we’ve seen time and time again just how important motorcycle insurance can be. Please keep reading to learn more about motorcycle insurance, including what it is, who needs it, and where to find the best policy. 

What Is Motorcycle Insurance?

Motorcycle insurance provides coverage in much the same way as regular auto insurance. If you own a motorcycle and are involved in an accident, your motorcycle insurance policy would kick in and help pay for damages and medical expenses. Some motorcycle insurance policies also provide coverage for damages such as those endured from theft. 

Who Needs Motorcycle Insurance?

Anyone who owns a motorcycle will greatly benefit from having motorcycle insurance coverage. If the motorcycle is involved in an accident or stolen, then an insurance policy may be able to compensate for some or all of the loss.

Is It Required by Law to Have Motorcycle Insurance?

It may or may not be required by law for you to have insurance on your motorcycle. The exact laws that apply to you and your situation depend on where the motorcycle is registered with the DMV. It also matters where you will ride the motorcycle. Different states have different laws, so it’s generally best to speak with an insurance agent to identify your exact needs for motorcycle insurance. 

Where Is the Best Place to Find Insurance for a Motorcycle?

If you would like to learn more about motorcycle insurance, please contact the Wise Insurance Agency serving the Ft. Wayne, IN area today. One of our agents can help you customize a policy that meets your exact needs.