Motorcycle Insurance for Mt. Juliet Riders

Tennessee’s financial responsibility law applies to motorcycles. You need liability coverage of at least $25,000 per person and $50,000 per accident for bodily injury and $25,000 for property damage, or another approved form of financial responsibility, and you must be able to show proof when asked.

Generally, no. Motorcycles usually need their own policy, even if it’s with the same insurer as your car. Call before your first ride on a new bike so you’re covered.

Yes. Tennessee requires motorcycle drivers and passengers to wear a helmet meeting the state’s standards, with narrow exceptions. Check the Tennessee Code or the state’s traffic safety resources for details.

Some policies include limited coverage for helmets and riding gear, and some let you add more. Tell me what your gear is worth so we can look at options.

Many policies include a small amount of coverage for aftermarket parts and let you buy more. Keep receipts and photos of upgrades, and tell me what you’ve added.

Liability coverage may help if a passenger is injured and you’re found responsible, depending on the policy. Medical payments or guest passenger liability may also be available. If you ride two-up, let me know.

If you’re hurt by a driver with no insurance or too little, uninsured or underinsured motorist coverage can help with your injuries, subject to the policy’s terms. Tennessee has specific rules about how it’s offered and declined, so we’ll go over it together.

Some insurers allow you to reduce coverage during months you don’t ride, while keeping comprehensive for theft or storage damage. Rules vary, so ask before you make changes.

The year, make, model and VIN; your license and any motorcycle safety course certificates; the value of custom parts and gear; where the bike is kept; and who rides with you. Then call 615-562-5100 or use the form.