If you’re a motorcycle rider in Dayton, Ohio, you might wonder, how much is motorcycle insurance in Ohio? Coverage costs will vary from the personal profile down to the specification of your bike. More important than that, though, insurance coverage will make sure you’re financially protected after an accident. At Dyer, Garofalo, Mann & Schultz, we help injured motorcycle accident victims understand their rights and navigate complex insurance claims. Contact our experienced Dayton motorcycle lawyers for support today.
Motorcycle insurance rates vary based on several factors. Still, Ohio riders can expect to pay an average of $500 to $1,000 per year for full coverage, while liability-only policies may cost around $100 to $500 annually. The exact numbers are always different based on the details about the rider and the bike. These figures do vary with the rider and bike specifics, of course. Adding collision, comprehensive, or uninsured motorist will significantly affect your premium, so it’s best to consult your agent about your specific needs.
Younger riders and males generally face higher premiums since they statistically have more accidents.
A clean driving record will reduce your insurance, while accidents, tickets, and DUIs will greatly raise your rates.
Insurance companies in Ohio use credit as a factor when determining premiums. The higher the credit score, the better your insurance rates will likely be.
Sportbikes and other high-performance or expensive motorcycles usually have higher insurance rates because of their higher risk factors.
Motorcycles with strong safety ratings and anti-theft features can qualify for lower insurance premiums.
The more comprehensive policies, with collision, thorough, and uninsured motorist coverage, will increase the cost. However, they provide much better financial protection in case of an accident.
If you live in a high-traffic area or take regular long-distance rides, your insurance company will likely increase your premiums since the chances of an accident are higher.
The State of Ohio requires every motorcyclist to carry a minimum liability insurance policy with at least the following limits of coverage:
Failing to carry minimum insurance can result in fines, license suspension, and the impoundment of your motorcycle.
Insurance providers offer various discounts that can help you lower your premiums. Common savings opportunities include:
The more traumatic a motorcycle accident can be, the more one will appreciate knowing the right steps to take to protect health and legal rights. Here’s what you should do:
The priority after an accident is to check for injuries. If you or anyone else is hurt, immediately call 911, even if the injuries seem minor. Prompt medical attention is a must for health and legal claims.
If possible, move yourself and your motorcycle to a safer location away from traffic. Staying in the roadway can increase the risk of further harm from passing vehicles.
A police report can provide essential documentation for insurance claims and legal proceedings. An official report can be valuable evidence in a dispute, even if the accident seems minor.
Collect as much information as possible at the scene. Take photos of the vehicles, injuries, road conditions, and traffic signs. If there are witnesses, get their contact information as well.
Contact your insurer as soon as possible to report the accident. Provide accurate details and follow their instructions when proceeding with your claim.
Suppose the accident was caused by another party’s negligence. In that case, consulting an experienced motorcycle accident lawyer can help you recover compensation for medical bills, property damage, lost wages, and pain and suffering.
If you’ve been injured in a motorcycle accident in Ohio, don’t navigate the legal process alone. At Dyer, Garofalo, Mann & Schultz, our experienced motorcycle accident attorneys fight for maximum compensation to cover your medical expenses, lost wages, and pain and suffering. Contact us at 1.937.222.2222or visit us at 131 N Ludlow St #1400, Dayton, OH 45402. Schedule your free consultation today.
Before establishing Dyer, Garofalo, Mann & Schultz L.P.A., Doug Mann, a top Ohio Injury Attorney served as a bodily injury claims adjuster at a major insurance firm. With over 40+ years of experience, Doug’s background has proven invaluable in securing maximum cash settlements for his clients swiftly. Since leaving the insurance industry, Doug has devoted his entire legal career to assisting injured clients during their times of greatest need.
This page has been written, edited, and reviewed by a team of legal writers following our comprehensive editorial guidelines. This page was approved by Founding Partner, Doug Mann who has more than 20 years of legal experience as a practicing personal injury attorney.
Keep up to Date with Our Newest Firm Updates
Staying alert behind the wheel is crucial, but drowsiness can slow your reaction time, impair concentration, and lead to poor decision-making. Unfortunately, many people don’t realize how dangerous it is […]
Getting a driver’s license is a significant milestone, but it’s more than just passing a test in Ohio. The state has specific Ohio teen driving laws designed to help young […]
Obtaining a driver’s permit may seem straightforward, but there are specific laws and guidelines for individuals in Ohio over the age of 18. Ohio temporary permit laws over 18 are […]
If you or a loved one has been seriously injured, please fill out the form below for your free consultation or call us at 1.937.222.2222
