Understanding Motorcycle Insurance

West Virginia is an excellent place to own a motorcycle. Riding along routes that are high on the Top 100 routes in America, the sun shining on your face, while you take in the glorious nature around you is a great way to spend the day. With all of the beauty you have to experience, you do not want insurance to slow you down. At Redden Insurance Agency, we want to get our Bradley WV friends on the road quickly, so we put together this quick guide on motorcycle insurance to help you through the process.

West Virginia Motorcycle Insurance Requirements

At minimum, a motorcycle owner is to carry liability insurance. This includes:

  • $20,000 bodily injury per person
  • $40,000 bodily injury per accident
  • $10,000 property damage per accident

While this will keep you legal, it may not be enough to protect you in the event of an accident, leaving you to pay out-of-pocket. Consider adding the following coverage to your policy for additional protection:

Uninsured/Underinsured Motorist

Some motorcyclists are not insured at all while others may be from areas that require lower amounts of coverage. If you get into an accident with one of these people, you need to be sure that your property is covered.


Collision coverage is intended to protect your bike in the case of a collision with an object, like a street sign, or another vehicle.


Comprehensive is designed to cover your bike in the event of damage that is not the result of a collision. For instance, comprehensive coverage is protection against things like weather related damage or theft. The specifics of what is covered will be stated in your policy.

At a minimum, Bradley WV residents should be sure to have liability coverage for their bikes. However, it aim to get the maximum insurance that you can comfortably manage.

We want to help you get the coverage you need so you can enjoy your motorcycle. Stop by Redden Insurance Agency or give us a call today for your no-obligation quote!