Same as car drivers, motorcycle riders must carry liability insurance with at least the following limits:
- $20,000 bodily injury per person
- $40,000 bodily injury per accident
- $10,000 property damage per accident
If you ever cause an accident on your bike, liability helps cover others' damages, up to your limits. Because accident costs can spike in a hurry, we typically suggest higher limits than just the bare minimum.
For instance, say you crashed into another driver's luxury sedan and it needed $15,000 in repairs. With the minimum limits, you'd get coverage for up to $10,000, but still have to pay an extra $5,000 out of pocket (ouch).