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

Is motorcycle insurance required in Georgia?

Q: What are Georgia's minimum motorcycle insurance limits?

The minimum liability limits are:$25,000 bodily injury liability per person$50,000 bodily injury liability per accident$25,000 property damage liability per accidentThese are commonly written as 25/50/25. Bodily injury liability pays for injuries you cause to other people. Property damage liability pays for damage you cause to someone else's vehicle or property. Both coverages protect others, not you or your motorcycle. These limits mirror the state's auto insurance minimums.

All FAQs

Quick answer: Georgia does not require motorcycle insurance by law, but riding uninsured is financially reckless.

Does Georgia law require motorcycle insurance?

Georgia law requires motorcycle insurance for any bike ridden on public roads. The state classifies motorcycles as motor vehicles under O.C.G.A. Section 33-34-3, so the same compulsory liability requirements that apply to cars apply to motorcycles.

What are Georgia's minimum motorcycle insurance limits?

The minimum liability limits are:

$25,000 bodily injury liability per person
$50,000 bodily injury liability per accident
$25,000 property damage liability per accident

These are commonly written as 25/50/25. Bodily injury liability pays for injuries you cause to other people. Property damage liability pays for damage you cause to someone else's vehicle or property. Both coverages protect others, not you or your motorcycle. These limits mirror the state's auto insurance minimums.

What are the consequences of riding without insurance in Georgia?

Riding without insurance in Georgia carries real consequences. A first offense can result in a fine of up to $1,000, suspension of your license and registration, and a reinstatement fee before you can legally ride again. A serious at-fault crash without coverage adds personal financial liability on top of those penalties. Anything above your policy limit becomes a debt you owe out of pocket.

For example, a rider causes an accident that sends another driver to the hospital with a fractured leg. Medical bills, lost wages, and rehabilitation costs reach $45,000. The rider has no insurance. The full $45,000 becomes a personal debt, enforceable through wage garnishment or asset liens in Georgia.

What optional coverages protect your own motorcycle from damage?

Liability coverage does not pay for damage to your own motorcycle. Two optional coverages fill that gap:

Collision coverage pays for damage to your bike from a crash with another vehicle or object, regardless of fault.
Comprehensive coverage pays for non-collision losses: theft, fire, vandalism, hail, and similar events.

For example, a rider's motorcycle is stolen from a parking lot overnight. Without comprehensive coverage, the owner absorbs the full replacement cost. With comprehensive coverage, the insurer pays the actual cash value of the bike, minus the deductible.

Is uninsured motorist coverage required on a Georgia motorcycle policy?

Georgia does not require uninsured motorist coverage on motorcycles, but it is available. Georgia consistently ranks among the states with higher rates of uninsured drivers. Without UM coverage, if an uninsured driver strikes you while you are riding, your own insurance does not automatically cover your medical costs or lost wages from that crash. Riders who carry passengers should verify how their policy handles passenger bodily injury. Some policies written at minimum limits treat passenger injuries differently, and a gap there can be significant.

How can a licensed advisor confirm your motorcycle coverage is complete?

A licensed advisor through Olive Cover, the consumer brand of Olive Insurance Services, LLC, can review your current motorcycle policy, check for gaps, and help you add a new bike to existing coverage. Request a free coverage review to confirm your motorcycle coverage is complete before your next ride.