Adding Underinsured/Uninsured Motorist Coverage to Your Motorcycle Policy

Driving in Saint Paul, MN, offers gorgeous views, especially after a winter snowfall. It also means you need auto insurance to protect yourself on the road, and Rising Star Insurance can help. 

Minnesota Insurance Options Other States Don’t Offer 

Minnesota allows its drivers to add a type of coverage that some other states do not – underinsured/uninsured motorist coverage. Adding this to your motorcycle policy protects you from loss when the party who damages your bike or injures you does not carry enough insurance to cover your medical and repair bills. Here’s how it works. 

Underinsured/Uninsured Motorist Coverage

Every driver on the Minnesota roads carries auto insurance, but sometimes, a person’s policy lapses. Other drivers might only purchase the minimum auto policy. Either way, if they hit you or another driver and cause injury or vehicle damage, their insurance won’t cover all the damage. 

Underinsured motorists don’t have enough insurance to pay for damages in an accident they cause. Uninsured motorists either let their policy lapse or do not purchase insurance. You can buy underinsured/uninsured motorist coverage, though. It pays for our medical bills and vehicle damages or replacement when an accident occurs, regardless of whether the underinsured motorist’s insurance pays. 

Contact Our Office Today

Contact Rising Star Insurance, serving the Saint Paul, MN area, for more information on upgrading your auto insurance. If you have minimum coverage, enhance it with underinsured/uninsured motorist coverage. Also, consider comprehensive and collision coverage. Call or email us today for an insurance review so you can carry the insurance that will keep you safer on Minnesota’s roads.