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Maryland Motorcycle Insurance: Are You Covered?

If you have a vehicle registered in the state of Maryland, you must have proper insurance coverage to legally drive on public roads. Without insurance coverage, you could end up facing hefty fines and even registration suspension. Maryland motorcycle insurance can look a bit different from traditional auto insurance. Having the right coverage is crucial to prevent financial difficulties after an accident.

Maryland motorcycle insurance can look a bit different from traditional auto insurance but is required to avoid penalties.

What Are the Requirements for Maryland Motorcycle Insurance?

In Maryland, drivers are required to follow the 30/60/15 ratio for insurance. This means holding a policy with a minimum coverage of $30,000 per person and $60,000 per two people or more for bodily injury as well as $15,000 for property damage. But if you are operating a motorcycle, there are additional insurance requirements you need.

Motorcyclists are also required to have uninsured motorist coverage that covers the same 30/60/15 rule if the at-fault driver is uninsured. They also need additional Personal Injury Protection (PIP) of at least $2,500 for passenger-related medical expenses in the event of an accident.

What Can Affect Motorcycle Insurance Coverage

Even if you have the right insurance coverage, you may not be able to get your claim approved in an accident. Motorcyclists are subjected to additional traffic laws and regulations. Breaking these laws could affect your insurance claim. For example, it is illegal for motorcyclists to drive in between the lanes of traffic. If you get into an accident while doing so, you likely won’t be covered by insurance. It’s also a legal requirement to wear a DOT-approved helmet while operating or riding a motorcycle in Maryland. Failure to wear a helmet can lead to a rejection of your insurance claim.

Saving Money on Insurance

Motorcycle insurance can often have a higher premium due to the increased risk of significant injury and property damage in an accident. But that doesn’t mean you have to be stuck with high monthly payments. Maintaining a clean driving record is one of the best ways to lower your premiums. You may also be able to save money each month by bundling your motorcycle insurance with your auto insurance. If you get your insurance from the same company, you can often bundle both together to pay one payment and keep track of information more easily.

Where to Get Motorcycle Insurance in Maryland

If you have a motorcycle registered in Maryland, then you need insurance coverage to legally drive on public roads. At MAIF Auto Insurance, we help drivers of all vehicles get the coverage they need. We offer a variety of insurance policies ranging from the minimum requirements up to comprehensive coverage plans. Contact us today to get your insurance quote and make sure you’re properly covered for potential accidents.

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