Make Sure You’re Covered with Motorcycle Insurance

Riding a motorcycle offers a sense of freedom that few other experiences can match. The open road, the wind on your face, and the thrill of the ride are part of what make motorcycles so appealing. But as freeing as it feels, it’s also important to remember that motorcycling comes with added risks. Because riders are more exposed, motorcycle accidents can lead to serious injuries and costly damage.

That’s why having proper motorcycle insurance in Maryland is smart and essential. You could end up paying thousands of dollars out of pocket if you’re involved in an accident and don’t have the right coverage. Beyond the financial burden, riding without insurance in Maryland can also cause legal trouble. Knowing what motorcycle insurance covers, what’s required by law, and how to find a plan that works for you can help you stay protected every time you ride.

Make Sure You’re Covered with Motorcycle Insurance in Maryland

Is Motorcycle Insurance Required in Maryland?

Yes. Just like cars, motorcycles must be insured to be legally operated in Maryland. Some people think that their car insurance automatically covers their motorcycle, but that’s not the case. Unless you’ve specifically added a motorcycle policy, your car insurance won’t apply if you’re in an accident while riding.

Many insurance companies offer bundles that combine car and motorcycle coverage, which can save you money. But you need to ask for this specifically. Before hitting the road, double-check that your motorcycle is listed on your policy and that it meets the state’s insurance requirements.

Maryland’s Minimum Motorcycle Insurance Requirements

The state of Maryland has clear rules about the minimum amount of insurance coverage every motorcyclist must carry. These requirements are designed to protect you, your passengers, and others on the road.

Motorcyclists must meet the 30/60/15 coverage minimums, which means:

• $30,000 for bodily injury per person
• $60,000 for bodily injury per accident (if more than one person is injured)
• $15,000 for property damage per accident

But that’s not all. Maryland also requires two additional types of coverage for motorcyclists:

1. Personal Injury Protection (PIP): At least $2,500 in coverage for medical expenses related to passenger injuries.
2. Uninsured and Underinsured Motorist Coverage: This protects you if you’re in an accident caused by someone who doesn’t have insurance, or doesn’t have enough insurance, to cover your losses. The limits must also meet the 30/60/15 rule.

Proof of your motorcycle insurance must be sent to the Maryland Motor Vehicle Administration (MVA) through a form called FR-19. Your insurance provider can handle this filing for you.

How Much Does Motorcycle Insurance Cost?

The cost of motorcycle insurance varies depending on several factors. Since motorcycle accidents often cause more severe injuries and damage, coverage can sometimes cost more than car insurance. However, the exact price depends on details like:

• Your age and driving history: Younger riders or those with past traffic violations may pay higher premiums.
• The type of motorcycle you ride: Newer or high-performance bikes often cost more to insure.
• How often you ride: If you ride daily rather than seasonally, your insurance rate may be higher.
• Your coverage limits: Choosing higher coverage levels for extra protection will increase your premium, but it can save you money in the long run.

It’s always a good idea to compare quotes from several providers. A slightly higher monthly payment can offer much better coverage if you ever need to file a claim.

The Risks of Riding Without Insurance

Riding without insurance can create major financial and legal problems. If you’re in an accident and don’t have coverage, you’ll be responsible for paying for all medical bills, repairs, and damages out of pocket. Depending on the situation, this can cost tens of thousands of dollars or more.

In addition, the Maryland MVA can penalize you for failing to carry insurance. These penalties can include:

• Costly fines and fees
• Suspension of your motorcycle registration
• Possible impoundment of your motorcycle

If your insurance coverage lapses for any reason, it’s important to replace it right away. Driving uninsured even for a short time puts you at serious risk, especially since accidents can happen when you least expect them.

Having Trouble Finding Motorcycle Insurance?

Not every insurance company offers fair or affordable motorcycle coverage, and some riders struggle to get insured. You might lose coverage unexpectedly or be denied by private insurance companies because of past claims or other reasons.

If you’ve been turned down for coverage by two or more private insurers, MAIF may be able to help. MAIF provides motorcycle insurance for riders who have been unable to find coverage elsewhere. They understand that every rider deserves protection, and their goal is to make sure you can stay safe and legal on the road.

If you’ve recently lost your policy or have had trouble getting approved for a new one, don’t wait. Call a MAIF provider at 301-499-0135 to learn more about your options and find out if you qualify for coverage.

Protect Your Ride and Your Future

Owning a motorcycle comes with responsibility. The right insurance coverage keeps you legal and gives you peace of mind. When you know you’re protected, you can enjoy every ride with confidence.

Whether you’re a new rider or have been on the road for years, it’s worth reviewing your policy to make sure you have the coverage you need. With proper insurance, you can focus on what really matters while staying safe, secure, and protected.