Motorcycle FAQs

What liability limits should I carry on a Georgia motorcycle policy?

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Quick answer: Georgia riders commonly carry at least 100/300/100. Georgia's minimum (25/50/25) can be exhausted by a single serious injury.

Motorcycle liability limits above Georgia’s legal minimum cover more of a serious claim; for many riders the next common step up is at least $100,000 per person and $300,000 per accident in bodily injury liability, often written as 100/300. Georgia only requires 25/50/25, meaning $25,000 per person, $50,000 per accident, and $25,000 in property damage, but those limits are far too low to protect you in a serious motorcycle crash. Because motorcycle accidents tend to cause severe injuries, higher limits are not a luxury, they are a necessity.

Liability coverage pays for injuries and property damage you cause to others. If a judgment exceeds your limits, your personal assets and future wages are exposed. Motorcycle crashes frequently result in major medical bills, so a $25,000 limit can be exhausted almost instantly.

Here is an example. You are at fault in a crash that seriously injures another driver, with medical bills and lost wages totaling $180,000. If you carry only the Georgia minimum of $25,000 per person, your insurer pays $25,000 and you are personally responsible for the remaining $155,000, which a court can pursue against your savings, home equity, and wages. With 100/300 limits, your policy covers far more of that judgment and shields your assets.

What to consider when setting your limits:

  • Matching limits to net worth keeps assets within the protected range, since a judgment can reach them.
  • Uninsured and underinsured motorist coverage covers the rider when an at-fault driver carries little or no insurance, which is common in Georgia.
  • Consider an umbrella policy for an extra layer of liability above your motorcycle and auto limits.

Higher limits usually cost far less than people expect, because the jump from minimum to 100/300 buys a great deal of protection per dollar. The same logic that applies to auto insurance applies here, only the stakes are higher on two wheels. We are happy to review your current motorcycle limits and recommend a level that truly protects you. Schedule a free coverage review and a licensed advisor will confirm whether you are covered for a serious loss.