The state mandatory minimum is $30,000 for uninsured/underinsured motorist coverage, but that is never enough for motorcyclists involved in collisions. Local attorneys often advise that motorcycle riders get at least $100,000 of coverage if they can afford more to ensure they are adequately protected in the event of an accident.
It is critical that bikers insure themselves because there are many instances where an injured motorcyclist has a strong claim but unfortunately does not have underinsured/uninsured motorist coverage and the person responsible for the wreck is not insured. This can leave a motorcyclist with substantial medical bills and traumatic injuries with little to no options for recovery.