Motorcycle Insurance in Beaufort, NC, Morehead City, NC & Surrounding Areas

Motorcycle insurance plays a crucial role in safeguarding your finances in the event of an accident. With options ranging from basic liability coverage to comprehensive policies covering unique features and accessories, you can tailor your motorcycle insurance to suit your needs.

Contact Willis Insurance in Beaufort, NC, to get the motorcycle insurance coverage you need to ride confidently.

Is Motorcycle Insurance Required in North Carolina?

North Carolina state laws mandate that motorcyclists maintain minimum levels of bodily injury and property damage liability insurance and uninsured motorist coverage to operate their motorcycles on public roads legally.

• Liability coverage is designed to assist with third-party accident-related injuries and property damage up to the limits specified in your policy. Uninsured motorist coverage may help pay for damages if the other driver is uninsured or you are involved in a hit-and-run accident.
• Underinsured motorist coverage isn’t mandatory, but North Carolina insurers must offer it as part of any auto or motorcycle insurance plan. This coverage may help pay for your damages if they exceed the at-fault driver’s liability insurance limits.

While the minimum required amounts of liability coverage are determined by North Carolina, it is advisable to consider purchasing higher coverage levels as your insurance agent recommends.

What’s Included With a Motorcycle Insurance Policy?

Motorcycle insurance typically includes several essential coverages to protect you and your motorcycle. Your agent may recommend including the following:

• Liability insurance—As previously mentioned, this coverage may help pay for property damage and bodily injuries you cause in an accident.
• Collision coverage—This insurance may help cover repairing or replacing your motorcycle if it sustains damage in an accident involving another vehicle or object.
• Comprehensive coverage—This policy may help cover damage to your motorcycle from non-collision incidents such as fire, vandalism or theft.

Motorcycle Insurance for Aftermarket Parts

Motorcycle owners often purchase accessories and aftermarket parts to make their bikes unique. You can enhance your motorcycle insurance policy by adding coverage specifically for these additional parts.

Accessory or custom parts and equipment coverage may help cover damage or theft.

Contact Us

The agents at Willis Insurance can help you get motorcycle insurance to meet North Carolina’s minimum coverage laws and personalize your coverage to meet your unique needs. Contact us today to start comparing motorcycle insurance quotes.