Each state has requirements for motorcycle insurance coverage. North Carolina has specific requirements and components of motorcycle insurance for the state. Brevard, NC as well as the rest of the state requires the purchase of liability insurance by motorcycle owners. This includes owners of motor scooters. Proof of this insurance is required by carrying a valid insurance card with you.
The state also has a "Miscellaneous type vehicle endorsement". This means that it can be attached to your personal auto insurance. Using this endorsement then extends to cover your motorcycle as well
Motorcycle Insurance Components
Liability Insurance
Required by North Carolina law, it covers bodily injury and property damage to the owner and anyone they give permission to drive the covered vehicle or vehicles. So if you give permission for a friend, and your car is covered by liability that extends to your motorcycle, liability covers it according to the NC Department of Insurance.
Medical Payments Coverage
This refers to reasonable necessary costs of medical or funeral expenses.
Collision/Other than Collision
Collision covers the cost of damage done from the impact accident with another vehicle. Things that damage the vehicle from falling on it, hail. or animal damage etc. are included in "other than collision"
Mandatory Limits
This component requires a certain amount of coverage to meet financial limits per person and more. Here at Brevard Insurance Agency Inc., we can explain this in detail.
UM/UIM Coverage
North Carolina allows coverage when an uninsured or underinsured person hits your car or motorcycle
Brevard Insurance Agency Inc Is Here To Help!
Our associates at Brevard Insurance Agency Inc. are available to answer any questions. Serving Brevard, NC and surrounding areas, we will take any confusion out of North Carolina’s motorcycle insurance components and requirements.
