In Maryland, car insurance cannot be used to cover motorcycles. Motorcycle insurance is similar to car insurance but is a different product. According to the Maryland Insurance Administration, owners are required to have liability insurance to register the motorcycle and obtain tags. The Transportation Article of the Maryland Code defines a motorcycle as a vehicle with a seat for the rider, traveling on no more than three wheels at speeds exceeding 35 miles per hour.
Motorcycle insurance is designed to provide liability coverage if the owner’s found to be at fault for an injury or property damages. The insurance is also designed to provide coverage for the damage or loss of the motorcycle. Owners can also purchase additional coverage for customizations, equipment or road assistance. The state requires liability insurance, while lenders used to finance the motorcycle are likely to require collision or comprehensive coverage.
The law in Maryland requires motorcycles to carry a minimum of $15,000 property damage coverage, liability limits of $30,000 per person, and $60,000 per occurrence of bodily injuries. The state also requires that owners carry these minimum limits in uninsured motorist bodily injury and property damage coverage. Many owners opt for higher levels of liability protection than the minimum coverage required by the state. The risk of severe injury is much greater in a motorcycle accident than an auto crash.
Several factors can affect how much the premium is for motorcycle insurance in Maryland. Owners must show proof of insurance to register the motorcycle in Maryland. Riding an uninsured motorcycle in the state could result in a license suspension and fines. If an accident occurs while riding uninsured, the owner is responsible for paying the medical bills and repair costs out-of-pocket.
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