According to the Arkansas Department of Transportation, nearly 3,000 traffic accidents involving motorcycles occurred in 2017. As a result of these accidents, 161 people were killed, and more than 2,400 people were injured. While having adequate motorcycle insurance won't prevent an accident, proper coverage can help make getting over the accident easier and minimize the damage to both property and your finances.
Arkansas state law requires that you carry at least a minimum level of liability coverage to drive on Arkansas streets and highways. This is currently $25,000 per person for bodily injury and $25,000 for property damage. Fail to prove that you have this coverage and you face a hefty fine and up to three months without your driver's license. However, the required minimum coverage in Arkansas is a starting point for discussing motorcycle insurance.
You've likely spent a lot of time and money fixing up your motorcycle, possibly restoring it and into condition to ride. That's an investment you likely want to protect from damage in an accident, from vandalism or an act of God, such as a fallen tree. You'll also want to add to the basic liability coverage since today's medical bills can quickly use up the $25,000 allotted for such payments. A good multi-line insurance agent can help you find the combination of motorcycle coverages you want without having to pay for coverage you don't need.
It is important to consider coverage such as comprehensive, collision, and additional liability. Working with an Arkansas agent from Timberline Insurance Agency, LLC can help you to learn more about these policies and your options.
To learn more about getting motorcycle insurance, contact Timberline Insurance Agency, LLC of Arkansas. We've been helping motorcycle owners like you for more than 25 years.