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.
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’re operating a motorcycle, you’ll need additional insurance requirements.
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.
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’s 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 because of the increased risk of significant injury and property damage in an accident. But that doesn’t mean you should 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.
Optional Coverages Worth Considering
While meeting the state’s minimum requirements keeps you legal, it won’t provide full financial protection after a serious accident. Maryland offers several optional coverages that are highly recommended for motorcyclists.
Collision Coverage helps pay for repairs to your own motorcycle if you’re in an accident. This protects your investment, especially if you have a newer or high-value bike.
Comprehensive Coverage protects against non-collision events like theft, vandalism, fire, or damage from falling objects or weather. Given that motorcycles are more vulnerable to these risks, this coverage can provide significant peace of mind.
Accessory Coverage is particularly important for riders who have customized their bikes. Standard policies often only cover factory parts, so this add-on ensures your aftermarket exhaust, custom paint, saddlebags, or other upgrades are protected.
What to Do Immediately After a Motorcycle Accident
Knowing the right steps to take after an accident is important for both your safety and your insurance claim. Your actions can significantly impact the outcome of your case.
First, ensure everyone’s safety by moving to a secure location if possible and calling 911 for medical and police assistance. Even if injuries seem minor, an official police report provides a vital third-party account of the incident for your insurer.
Exchange insurance and contact information with the other driver, but avoid discussing fault or making statements about the accident. Instead, take photos of the scene, vehicle positions, damage, and any visible injuries. These details are invaluable evidence for your claim.
Finally, notify your insurance provider as soon as it’s safe and practical to do so. Quick reporting allows them to start the claims process quickly and guide you through the next steps.
Common Myths About Motorcycle Insurance in Maryland
Many riders operate under misconceptions that can leave them underinsured or financially vulnerable. Let’s clarify some of the most common myths!
Myth: “My health insurance will cover my medical bills after an accident.” While your health insurance may cover some costs, it won’t cover lost wages, pain and suffering, or long-term disability like the PIP and uninsured motorist coverage on your motorcycle policy. Relying solely on health insurance can leave significant gaps.
Myth: “I only ride in the summer, so I can cancel my policy in the winter.” Canceling your policy during the off-season is risky. You could face a lapse in coverage, which often causes higher premiums when you reinstate it. Instead, ask your provider about a “lay-up” policy that reduces coverage while the bike is stored.
Myth: “If an uninsured driver hits me, my uninsured motorist coverage will fix my bike.” In Maryland, uninsured motorist property damage (UMPD) coverage has a small limit. For comprehensive bike repair or replacement, you would need collision coverage. Don’t assume UMPD will fully cover damage to your motorcycle.
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 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.