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Motorcycle Insurance in South Dakota
The legal framework in South Dakota requires motorcycle owners to maintain financial stability. Financial stability can be provided in terms of an insurance policy. At Wilcoxon Insurance, Inc. in Sioux Falls, SD, we always offer guidance from our experienced agents that help motorcycle owners to identify the coverage that suits their needs best.
Types of motorcycle insurance
- Liability coverage: This caters for damages that your motorbike causes to other people's property, as well as medical bills for their bodily injury after an accident when you are legally responsible.
- Comprehensive: This coverage caters to your motorcycle when it is damaged or lost due to fire, theft, falling objects, vandalism, or any other form of accident apart from collision.
- Collision: This helps to pay for the repair or replacement of your bike if it is damaged in an accident with another motor vehicle, tree, fence, or any other object.
- Uninsured (UM) and Underinsured (UIM) cyclist insurance: Uninsured Provides coverage if you are in an accident and the other driver is both legally responsible for the accident and is not insured. Underinsured extends coverage for bodily injury and property damage caused by a motorist with insufficient insurance.
- Gap insurance: This is a type of coverage that only caters for damages to your motorbike. It doesn't cover damages to other people's property or bodily injuries after an accident.
- Medical payments and personal injury protection (PIP): This is an optional cover that provides for your medical bills resulting from bodily injuries in case of an accident.
As a motorcycle owner in South Dakota, identifying a suitable coverage for your motorcycle requires your intervention and initiation. At Wilcoxon Insurance, Inc. in Sioux Falls, SD, we are here to help. Call us or visit our offices for more information.
