Riding a motorcycle can be fun, inexpensive and convenient. But it is also dangerous.
With a large majority of motorcycle accidents in Nevada resulting in injury, it’s important to review your motorcycle insurance and make sure it provides the protection you need and want.
In Nevada, motorcycle riders are required by law to have the same liability insurance that is required for autos. This mandatory insurance takes effect only if you are liable for an accident. It pays for injuries to others or damage to their property. It does not pay for your injuries or damage to your motorcycle.
To cover your and your passenger’s injuries resulting from an accident , consider buying coverage for uninsured/underinsured motorists and medical payments.
Insurance coverage can also be purchased to cover damage to your motorcycle.
Uninsured/ Underinsured motorist coverage pays for your medical costs if an uninsured or underinsured driver is at fault for an accident. This coverage will also protect your passenger.
This coverage is limited to the amount of liability coverage you buy. Keep this in mind when purchasing insurance. Saving money with low liability limits today could cost you more in the long run.
Medical payment coverage is often called “MedPay.” It pays immediately for treating injuries to you and your passenger without regard to fault. This is the only way to have coverage under your insurance policy for medical costs that result from an accident involving just you.
Riders should consider taking an approved motorcycle safety course. Many insurance companies offer a discount for riders that do so. It may help you save money on your insurance premium, but most importantly it will help you be safe on the road.
Nevada Consumer's Guide to Auto Insurance