Sport bikes are specialty motorcycles designed for speed and precise handling when on the road or a racetrack. You will generally pay a higher price for one of these agile machines than you would for a touring bike. Even though these motorcycles are sometimes ridden solely for recreational purposes, sport bikes are still required to be insured in the state of Rhode Island.
Due to the sophisticated engineering of sport bikes, they’re an attractive target for thieves. And while the agility of a sport bike is exciting, more accidents are prone to happen when they’re operated at high speeds. For these reasons, you’ll want to protect your assets, yourself, your passengers, and other vehicles with proper insurance.
What Coverage Do You Need in RI?
Motorcycle owners in RI are required to carry a minimum amount of limited liability insurance. This basic policy covers injury, death and property damage to others in the event of an accident. Liability insurance doesn’t cover damage to your bike or medical coverage for you or your passengers’ injuries.
Uninsured/underinsured motorist insurance is also required in RI. This protects riders when they’re involved in an accident with another motorist who doesn’t have insurance or not enough insurance to cover the damage.
With Kingston Insurance Agency LLC, serving the South Kingstown, RI area, you have the option to purchase additional insurance for accessories and modification parts. This is recommended for custom-built sport bikes. Additional insurance options we offer include:
- Collision coverage to help with repairs to your bike after an accident.
- Comprehensive coverage to help pay for damages to your sport bike from anything outside of a collision, such as natural disasters, theft or vandalism.
- Roadside assistance coverage to ensure you have help if you’re stranded at the side of the road.
Enjoy Your Ride While Staying Safe
Whether you ride your sport bike on a recreational track or on shared roadways, you must be properly insured. Our knowledgeable agents at Kingston Insurance Agency LLC are available to explain the details of motorcycle insurance and to customize a policy that meets your needs. We are conveniently located in South Kingstown.
