Motorcycle Insurance

Since Michigan lies between four of the five American great lakes, motorcycle riders enjoy wonderful Great Lakes scenery and seemingly endless miles of coastline.

The Great Lakes State has 3,288 miles of shoreline – more than both California and Florida. This makes for some great motorcycle riding. If you are a rider in Michigan, you need to be aware of the insurance requirements before you head out on the road. Our state requires basic liability coverage for a pain and suffering personal injury suit. To be legal on the road you must possess:

  • $20,000 of coverage for bodily injuries or death involving one person.
  • $40,000 of coverage for bodily injuries or deaths involving more than one person.
  • $10,000 of coverage for property damage.

Recently there have been changes to the Michigan helmet law, and those who choose not to wear a motorcycle helmet must carry at least $20,000 worth of additional insurance coverage. If your passenger chooses not to wear a helmet, you must also carry an additional $20,000. If you happen to be caught without the proper insurance coverage, you will lose your license and your registration could be canceled. You’ll have to pay a $50 penalty and reinstatement fees to be able to ride again.

Having the right type of motorcycle insurance is critical to protect yourself if you’re ever involved in a crash. At Eaton Insurance Services, we can put together an affordable package that protects you, your bike, and you passengers. If you are a rider in Michigan, please give us a call today. You can also fill out the form on this page for more information.