What specialty insurance does Foremost write in Georgia?

Foremost Insurance (a Farmers subsidiary) specializes in specialty personal lines.

Can I cover my motorcycle on my regular auto insurance policy?

Yes. Standard personal auto policies specifically exclude motorcycles.

Does motorcycle insurance cover custom parts and aftermarket equipment?

Standard motorcycle policies typically cap coverage for aftermarket and custom parts at $3,000 or less, and most states, including Georgia, do not mandate a specific custom-parts coverage requirement.

What do comprehensive and collision cover on a motorcycle policy?

Comprehensive covers theft, fire, weather, and non-collision damage.

What coverage should I carry on a Georgia motorcycle policy?

Georgia does not require motorcycle insurance beyond the standard 25/50/25 liability minimums, but those limits are inadequate for a serious accident.

Motorcycle FAQs

What are Georgia's motorcycle insurance requirements?

All FAQs

Quick answer: Georgia does not require motorcycle insurance but the same fault-state liability principles apply.

Georgia law requires every motorcycle rider to carry liability insurance before taking the bike on public roads. The minimum limits, set by O.C.G.A. § 33-34-4, are 25/50/25: $25,000 for bodily injury to one person, $50,000 for bodily injury to two or more people in a single accident, and $25,000 for property damage. These are the same minimums Georgia applies to passenger vehicles.

What does Georgia's minimum motorcycle liability coverage actually pay?

Liability coverage pays the other party when you are at fault: their medical bills, lost wages, and vehicle or property repairs. It does not pay to repair your motorcycle, and it does not cover your own medical costs if you caused the crash.

For example, a Georgia rider runs a red light and collides with another vehicle, causing $35,000 in damage to the other car. The minimum $25,000 property damage limit pays the first $25,000. The remaining $10,000 comes out of the rider's pocket. That gap is why many riders carry higher limits than the state requires.

What optional coverages go beyond Georgia's minimums?

Several optional coverages address what liability leaves out:

Collision: pays to repair or replace your motorcycle after a crash, regardless of fault.
Comprehensive: covers theft, fire, vandalism, falling objects, and weather damage.
Uninsured motorist (UM/UIM): pays your medical bills and related losses when the at-fault driver carries no insurance or not enough. A meaningful share of Georgia drivers on the road carry no coverage, so this protection is practical here.
Medical payments (MedPay): covers medical expenses for you and any passenger, regardless of fault, up to the policy limit.
Roadside assistance and trip interruption: offered by some carriers for riders who travel long distances.

Do lenders require additional coverage beyond Georgia's minimums?

Riders who finance or lease a motorcycle typically face lender requirements for collision and comprehensive on top of the state minimums. Even riders who own their bikes outright may find the minimums inadequate given the cost of serious injuries and modern vehicle repair. A serious rider injury claim can reach six figures quickly, and the $25,000 bodily injury per-person minimum covers far less than the cost of a major trauma case.

Does Georgia require uninsured motorist coverage on motorcycles?

Georgia does not require uninsured motorist coverage on motorcycles by default, but insurers must offer it and riders can reject it only in writing. Knowing what you declined, and why, matters more than most riders realize at purchase time. Georgia's uninsured driver rate means a rider who rejects UM coverage is taking on real exposure every time they ride.

For example, a Georgia rider is struck by an uninsured driver who runs a stop sign. The at-fault driver has no insurance and no assets. Without UM coverage on the motorcycle policy, the injured rider pays all medical bills out of pocket and has no path to recover lost wages through the at-fault driver's insurer.

How do you know if your motorcycle policy actually covers you adequately?

Coverage limits, deductibles, and available options vary by carrier. A free coverage review can show you exactly what your current policy covers, where the gaps sit, and what adjusting your limits would cost. See our auto insurance page for related coverage options and a breakdown of Georgia's liability requirements across vehicle types.