Anyone who wants to operate a motorcycle on the public highways surely understands that motorcycles are subject to the same requirements for insurance as regular automobiles. It is against the law to operate a motorcycle on the highway without the insurance. The operator must be able to prove his or her financial accountability if involved in an accident. If the proposed operator wants to operate his or her motorcycle in Iowa, there is an agency that offers excellent motorcycle insurance Plans Des Moines IA. Following are certain requirements that must be a part of every motorcycle insurance policy.
The liability requirements are $20,000 for bodily injury for one person in an accident, $40,000 for more than one person in the accident, and $15,000 for property damage per accident. Beyond that, the motorcycle operator has the option to get more, which is generally recommended. In Iowa, there is also no requirement for the operator to wear a helmet. It will have no bearing on the insurance coverage. There are other ways to prove financial responsibility than having the liability insurance, however.
A motorcycle operator can elect to post a certified check for all the charges relating to the accident. He or she can make an installment arrangement with the parties involved in the accident, including the ones who suffered property damage. He or she can file a warrant of confession for judgment and elect for a payment schedule for damages. There are many options available when involved in an accident. If the motorcycle license has been suspended or revoked because of the accident, the operator can ask the insurance company to file Form SR-22 with the appropriate driver’s agency (in this case, the Office of Driver Services).
Obviously, it is risky business to be caught in an accident, and with no real financial resources to take care of the damages. Absolute Insurance Agency has been helping clients get the best possible motorcycle insurance plans available. In addition to motorcycle insurance and other automobile insurance, the agency offers health insurance, life insurance, mortgage insurance and business insurance. If in need of Motorcycle Insurance Plans Des Moines IA, Absolute Insurance is available. Contact Absolute Insurance Agency.
