Benefits of Shopping Insurance Quotes

Posted by Chell in Money

Accidents can happen anytime, whether you are driving responsibly or not. For motorcycle riders, it is doubly important to have motorcycle liability insurance to help cover costs of damages should they be involved in an accident. Just as with other states, motorists should comply with at least the minimum amount of insurance coverage to ensure that everyone involved in the accident is covered. Likewise, those who don’t have insurance may even face penalties and imprisonment after they are in a motorcycle accident.

Getting insurance quotes is just one of the many ways that you can have the best insurance coverage that you really need. Aside from complying with the minimum insurance coverage, it might help to add optional insurance coverages to ensure that everything is properly covered and financial issues can be solved easily when an accident happens. According to the website of Karlin, Fleisher & Falkenberg, when you have your insurance coverage, it is important to always keep your insurance ID in your vehicle. This ID is important and should be presented to law enforcement when they request for it, because it not proves you have insurance, but also that you are financially responsibly should an accident occur.

If you are unable to provide proof of your motorcycle insurance coverage or financial responsibility, then you might get legally penalized. This is a particularly serious offense following an accident; when you are unable to provide proof of your motorcycle insurance after an accident or a traffic violation, you might have your license plate suspended. After being in a traffic violation or accident, or after receiving an insurance verification letter, you are given a specific time frame (specified by your state) to provide your proof of insurance. If you are unable to show such proof, you will have to pay for a fine and reinstatement fee in order for your suspension to be lifted. Repeat offenders may have to wait for four months for their suspension to be lifted. Nevertheless, even with the plate suspension, the state still allows you drive other vehicles as long as they are covered.