WEDNESDAY, SEPTEMBER 23, 2020
When you buy a motorcycle, you have to operate it as responsibly as any other vehicle. In fact, you have to be even more careful since motorcycles are often more complicated to ride. That’s why you need special equipment and training to do so. The State of Georgia has a variety of motorcycle safety laws that bikers must follow. Here’s what you need to do, and how you can go above and beyond to keep yourself safe.
Motorcycle Insurance Rules
Like all drivers, motorcyclists have to carry insurance. A standard auto insurance policy won’t apply to your bike. However, you can buy motorcycle insurance that applies specifically to bikers’ risks.
Georgia is an at-fault auto insurance state. It requires drivers (and bikers) who cause accidents to pay for the damage done to other parties. Therefore, all drivers must carry the minimum liability insurance required by law. These are:
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$25,000 Bodily Injury Liability Coverage per person
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$50,000 Bodily Injury Liability Coverage per accident
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$25,000 Property Damage Liability Coverage
Bodily injury coverage pays for injuries of third parties harmed in the accident. Property damage coverage will pay for those parties’ property damage. So, if while biking you collide with another vehicle and the accident is your fault, then your liability coverage can help compensate the other driver for their medical costs and vehicle repairs. The mandatory coverage will help you protect yourself from the potential costs of these accidents.
Keep in mind, you do have the option to add coverage to your motorcycle policy. Items like collision, comprehensive and medical payments coverage can pay for your own losses from accidents.
Licensing Laws
You cannot operate your bike if you only have a standard driver’s license. Bikers must get a Georgia motorcycle license (Class M) before they can legally ride. You must pass appropriate training courses to qualify. Then, apply for this license through the Georgia Department of Driver Services.
Georgia Helmet Laws
Not only do you have to protect your bike, but you also must protect yourself. Georgia requires all bikers to wear a helmet during their rides. These helmets must meet safety standards set by the state Department of Transportation. If you don’t wear one, then you might face considerable penalties.
Besides a helmet, you can also protect yourself with a variety of other protective gear. Face shields, jackets, gloves, long pants, pads and sturdy shoes can protect your body from head to toe. They therefore lessen your chances of injuries or harm in case of accidents. The better you protect yourself, the safer you will be if problems occur.
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