Motorcycle Insurance in Hanover Park & Elgin, IL

Motorcycle Insurance Quote

 

Motorcyclists need insurance to protect themselves and their passengers from costs associated with vehicular accidents. Contact Alteza Insurance Agency in Hanover Park, Illinois, to learn more about motorcycle insurance coverage.  

Importance of Motorcycle Insurance  

 

If you’re in a motorcycle accident, the right motorcycle insurance policy can provide essential financial protection from losses. Without coverage, you could face costly out-of-pocket expenses from property damage, medical bills and potential litigation.  

Motorcycle insurance can help pay for repairs or replacements if your motorcycle is damaged. It can also help pay for injuries or property damage that you cause to third parties while driving.  

Is Motorcycle Insurance Required? 

 

In Illinois, motorcycle insurance is required. Motorcyclists caught riding without mandatory insurance may face fines or license suspension. State requirements mandate that all Illinois motorcyclists carry minimum amounts of the following coverages: 

• Liability coverage may help cover costs, such as legal fees and medical bills if you’re held liable for causing third-party bodily injury or property damage. Illinois motorcyclists must carry the following types of liability coverage:
• Bodily injury liability coverage
• Property damage liability coverage
• Uninsured/underinsured motorist coverage may help pay for damage and bodily injuries to you and your passengers sustained from a vehicular accident with an uninsured or underinsured driver who is at fault. 

Additional Motorcycle Insurance Coverages  

 

Your insurance agent may recommend additional types of insurance coverage to ensure you have adequate coverage, such as the following: 

• Comprehensive coverage may help pay for costs from noncollision incidents, such as theft or fire.
• Collision coverage may help pay for damages if you collide with another vehicle or an object, regardless of fault.
• Optional equipment coverage may help pay for repairs or replacements if custom or unique aspects of your motorcycle are damaged. 

Comparing Motorcycle Insurance 

 

You should compare multiple motorcycle insurance quotes before choosing your policy. Contact Alteza Insurance Agency to get a free motorcycle insurance quote today and to learn more about our insurance products.