When you think about motorcycle insurance, do you picture it covering just injuries or maybe fixing your bike? That’s part of it, but there’s another side many riders forget: property damage liability. In Georgia, this coverage helps pay if you damage someone else’s car, knock down a fence, or even clip a storefront. Without it, you’re writing the check yourself, and that can get costly fast. Your agent at TruePoint Insurance in Pooler explains:

What’s Actually Covered

Here’s the catch: property damage liability covers the other person’s property, not your motorcycle. So if you dent another driver’s door or take out a mailbox, your insurance steps in. But if your bike is the one that’s banged up, you’d need collision coverage. Too many riders assume “property damage” includes their motorcycle, only to find out the hard way that it doesn’t.

Georgia’s Insurance Requirements

By law, Georgia riders have to carry at least $25,000 in property damage liability per accident. That might sound like plenty, until you imagine totaling a luxury SUV or causing a multi-car pileup. Costs can blow past the state minimum quickly, leaving you on the hook for the difference. That’s why a lot of riders bump up their limits for added security.

Why Reviewing Your Policy Matters

Policies aren’t one-size-fits-all. The right coverage depends on how often you ride, where you go, and what risks you’re willing to take on. Talking through your policy with a knowledgeable agent is the easiest way to avoid gaps. Because at the end of the day, motorcycle insurance isn’t just about protecting your bike, it’s about protecting your wallet when life takes a sharp turn.

Have questions? We’ve got answers. Get in touch with your motorcycle insurance representative at TruePoint Insurance, serving Pooler, GA, today to make sure you have the coverage you need.