Trailering a motorcycle in Eagan, MN, is more complicated than it seems. Everything may feel fine until something goes wrong while you are driving at highway speeds. A strap may loosen, a trailer may begin to sway, or another driver may even clip your setup. The type of motorcycle insurance you carry matters a lot in situations like these.
Standard motorcycle insurance may not protect your bike the same way once the wheels leave the road and it’s on a trailer.
What Happens to Motorcycle Insurance Coverage When Your Bike Is Not Moving?
Most motorcycle insurance policies are written with road use in mind. Once your motorcycle is loaded onto a trailer, coverage can become unclear. In fact, some policies stop covering physical damage as soon as the bike’s wheels are off the pavement. If you trailer your motorcycle across Minnesota for a rally or weekend ride, this is important to know.
What Does Minnesota Law Say About Trailering and Transporting Motorcycles?
If your motorcycle is registered in Minnesota, you are required to carry minimum liability insurance. However, this requirement applies to riding the motorcycle, not transporting it on a trailer.
Your trailer may fall under your auto insurance policy, but not always. It depends on your specific coverage, so it is important to check with your agent. Motorcycle liability insurance does not always overlap with auto insurance in these situations, which can leave unexpected coverage gaps.
What to Do if You Have Questions About Motorcycle Insurance for Trailering
The agents at F.I.R.E. Leaders Financial have extensive experience helping riders understand motorcycle insurance requirements. Coverage is not a one-size-fits-all situation. The protection you need depends on your policy, your equipment, and how often you transport your bike on a trailer.
Know Your Coverage Before You Load Your Bike
Riders in Eagan, MN, tend to trailer their motorcycles more often than riders in warmer states because of Minnesota’s weather and shorter riding seasons. That is why it is important to discuss your motorcycle insurance needs with an experienced agent at F.I.R.E. Leaders Financial Services. We will help you ensure you have the right coverage for both riding and hauling.
