Motorcyclists are at an increased risk of suffering from severe injuries because they don’t have the same protection as drivers in cars do. There are no airbags that will be deployed or seatbelts keeping them on the bike. Flying through the air and landing on the pavement during an accident can cause a broken leg or worse. It’s important to ensure you have proper motorcycle insurance in Overland Park, KS. 

State Requirements

Kansas requires all motorcyclists to have insurance that meets state guidelines. You must have bodily injury coverage that provides $25,000 per person and $50,000 per accident. It should also provide $25,000 in property damage coverage per accident. Agents at Fortress Insurance Agency can help you learn more about minimum requirements. 

No-Fault State

Kansas is considered a no-fault state, which means that drivers are also required to have personal injury protection, commonly called PIP. POP covers medical expenses and lost wages for you and your passengers if you’e in an accident, regardless of fault. All policies sold in the state must include PIP. 

The limits for PIP are surprisingly low. PIP is supposed to cover medical expenses, yet the state minimum requirement is only $4,500 for medical expenses and treatment. This can easily be exhausted in one emergency room visit after a motorcycle accident. 

Upgraded Coverage

Many motorcycle owners opt for higher bodily injury coverage and a larger PIP amount to ensure they’re covered after an accident. You can get thousands of dollars’ worth of coverage, so you can focus on recovering instead of worrying about medical bills. 

Here at Fortress Insurance Agency, we understand the risk of riding a motorcycle. One accident can ruin you financially. Our agents will work with you to help you get the coverage you need before an accident happens. Contact us when you’re ready to learn more. We’re currently serving the Overland Park, KS, area.