Maryland Motorcycle Insurance Information
The value of good motorcycle insurance often doesn't become apparent
until you really need it. Whether it's a minor fender bender or a more
substantial accident, it pays to have Maryland motorcycle insurance
coverage you can count on.
Let our experienced Maryland Motorcycle Insurance
policy specialist explain the different Liability limits,
Comprehensive, Collision, Uninsured Motorist,
Personal Injury Protection, Medical coverages, and
deductibles that are available for you to choose from.
We offer affordable motorcycle insurance policies
from a leader in the insurance industry. This means
stable premiums and none of those 15% increases
after the first year.
Learn more about Maryland Motorcycle
Insurance policy coverage options below!
Click on the link below to fill out a quote request form for
a Maryland Motorcycle Insurance policy that will provide
excellent motorcycle insurance coverage at an
affordable cost. Or you can speak with our Maryland
Motorcycle Insurance agent specialist at 301-933-5500
to discuss the insurance policy features in more detail.
We are a Silver Spring, MD full-service insurance agency, offering low cost Maryland
motorcycle insurance policy premiums in the following cities and counties: Wheaton,
Bethesda, Aspen Hill, White Oak, Takoma Park, Randolph Hills, Veirs
Mill, Kensington, Kemp Mill Estates, Rock Creek Forest, Chevy Chase, Woodmont,
Garrett Park, Oakmont, Calverton, Fairland, Springbrook, Glenmont, Foxhall, Layhill,
Colesville, Meadowood, Rockville, Laurel, Gaithersburg, Good Hope, College Park,
Greenbelt, Montpelier, Adelphi, Langley Park, Berwyn Heights, Knollwood, Beltsville,
Maryland City, Riverdale, Hyattsville, Chillum, Lewisdale, University Park, New
Carrollton, Landover Hills, Bladensburg, Cheverly, Kent Village, Somerset, Chevy
Chase View, Glen Mar Park, Westgate, Brookmont, Luxmanor, Montrose, Potomac,
Glen Hills, Derwood, Washington Grove, North Potomac, Redland, Olney, Sandy
Spring, Norwood Corner, Ashton, Ednor, Spencerville, Burtonsville, Good Hope, Fulton,
Savage, Bowie, Crofton, Kettering, Forestville, District Heights, Capitol Heights,
Columbia, Annapolis, Germantown, Brinklow, Brookeville, Highland, Simpsonville,
Brighton, Clarksville, Laytonsville, Damascus, Dayton, Unity, Glenelg, West
Friendship, Seneca, Dawsonville, Poolesville, Towson, Baltimore, Montgomery County,
District of Columbia, Prince Georges County, Howard County, Anne Arundel County,
and Baltimore County, MD. We also offer motorcycle insurance services throughout
the state of Maryland and northern Virginia, including in Arlington, Alexandria, McLean,
Falls Church, Annandale, Reston, Fairfax, Vienna, Herndon, Sterling, Leesburg, and
Manassas, VA.
Bodily Injury Liability
Injuries that you (insured) cause to someone else is covered under this part of a
motorcycle insurance policy. The minimum bodily liability insurance coverage
available for purchase in Maryland is 20/40 and is explained in detail below.
However, we recommend that you choose liability insurance coverage amounts
that are much higher than the minimums listed below. Contact us at 301-933-5500
to discuss what liability coverage amounts you require to meet your family and
personal needs.
Maryland Liability Coverage limits explanation:
20/40/15 20=$20,000 - 40=$40,000 - 15=$15,000
First number = bodily injury liability maximum for one person injured in an
accident.
Second number = bodily injury liability maximum for all injuries in one
accident.
Third number = property damage liability maximum for one accident.
Property Damage Liability
Damage caused by the insured (you) to someone else's property, such as a
motorcycle, car, fence, or house, is covered through property damage
motorcycle insurance coverage. The minimum coverage amount in Maryland
is $15,000.
Medical payments coverage pays for the medical and funeral expenses for you
or others hurt or killed in an accident while riding on or driving your motorcycle.
Claims against this coverage include all reasonable hospital, surgical,
chiropractor, X-ray, dental, professional nursing, prosthetic, and funeral
expenses. It will also cover you or members of your family if you are hit by a
car when you are walking or if you are riding on another motorcycle. This
coverage will pay for your medical and funeral expenses even if you cause the
accident. The coverage is often limited to medical care you get in the first one,
two, or three years after the accident and is limited to a specific dollar amount.
This is a required Motorcycle Insurance coverage in Maryland.
20/40 20=$20,000 - 40=$40,000
First number = uninsured motorist maximum for one person injured
in an accident.
Second number = uninsured motorist maximum for all injuries in one
accident.
Covers damage caused to the owners motorcycle from a collision caused by another
vehicle or other object. The deductible is the amount you choose to pay upfront (if any)
before the motorcycle insurance policy pays. The higher the deductible you choose,
the lower the collision coverage cost within the Maryland Motorcycle Insurance policy.
Maryland Motorcycle Insurance FAQ
Covers damage caused to the insured's motorcycle (your motorcycle) from
risks such as theft, fire, falling objects, earthquake, flood, missiles, explosion,
riot and civil unrest. The deductible is the amount you choose to pay upfront (if
any) before the motorcycle insurance policy pays. The higher the deductible
chosen the lower the comprehensive coverage cost within the Maryland
Motorcycle Insurance policy.
Maryland Motorcycle Insurance FAQ
Maryland Motorcycle Insurance FAQ
Benefits Provided:
80% of medical benefits for all reasonable expenses for necessary
medical, surgical, x-ray, dental and rehabilitative services, including
prosthetic devices, wheelchairs, crutches, slings, neck braces and splints
(including necessary travel related to medical care.)
80% of necessary remedial treatment (nursing home care or home nursing
care).

60% of disability benefits for any loss of gross income and loss of earning
capacity from inability to work because of an injury suffered in an accident.
Maryland Motorcycle Insurance FAQ
Maryland does not require no fault coverage. This coverage pays medical
bills for injuries suffered in a motorcycle accident regardless of who caused
the accident.
Maryland Motorcycle Insurance FAQ
Example of uninsured motorist limits:
Maryland Motorcycle Insurance FAQ
Covers the insured (you) for your bodily injury caused by a hit-and-run driver
or an at-fault driver who has no auto or motorcycle liability insurance. This is
a required coverage for Motorcycle Insurance in Maryland. Contact us at
301-933-5500 to discuss what uninsured coverage amounts you require to
meet your family and personal needs.
This coverage comes into play when an at-fault driver has auto or motorcycle
liability insurance, but the limit of insurance is inadequate to pay for your
damages.
Protects you if your motorcycle is damaged in an accident caused by a driver
who has insufficient auto or motorcycle insurance coverage. This coverage
pays the difference between the coverage limit you select and the other
driver's property damage coverage limit. This is not a required coverage in
Maryland.
This type of motorcycle insurance coverage pays for your medical expenses,
lost wages, and other damages when you or your passengers are injured in
an accident caused by a driver who has insufficient auto or motorcycle
insurance coverage. The motorcycle insurance coverage typically pays the
difference between the coverage limit you select and the other driver's bodily
injury coverage limit. This is not a required motorcycle insurance coverage in
Maryland.
Underinsured Motorist Bodily Injury Coverage
Underinsured Motorist Property Damage Coverage
Maryland Motorcycle Insurance FAQ
Click on the link below to fill out a quote request form for a Maryland
Motorcycle Insurance policy that will provide excellent motorcycle insurance
coverage at an affordable cost. Or you can speak with our Maryland
Motorcycle Insurance agent specialist at 301-933-5500 to discuss the policy
features in more detail.
**The information, pictures, and other content in this website about particular insurance
services is only provided for informational purposes. Any decisions regarding your
insurance needs should be discussed with a licensed insurance agent.
Personal Insurance
Motorcycle Insurance
Brown Insurance Group
12118 Heritage Park Circle
Silver Spring, Maryland 20906
Montgomery County, MD
(301) 933-5500
Fax: (301) 933-6955

Answer a few questions and
we will provide you with an
insurance quote by phone or
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personal or business insurance
coverage you're interested in
from the menu above.
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DELIVERING EXCELLENCE WITH A DIFFERENCE
Does Wearing a Helmet Decrease My Motorcycle Insurance Premium

Wearing a motorcycle helmet reduces the cost of medical treatment, length of hospital stay and probability of
long-term disability. This was the conclusion in a recent study by the Centers for Disease Control (CDC)
pertaining to riders injured in a motorcycle crash. The National Highway Traffic Safety Administration (NHTSA)
basically agreed with the CDC by saying that non-helmeted riders have higher health care costs as a result of
brain injuries.

Unfortunately, raising the cost of motorcycle costs for everyone is that an un-helmeted rider is more likely to be
uninsured; and only about half of injured riders carry separate health insurance coverage.
Will Motorcycle Insurance Be Expensive

As with auto and boat insurance, what type of motorcycle you drive and how safely you drive it are important
factors that affect your Maryland motorcycle insurance cost. The most important factors in determining your
policy costs are listed below.

The factors of you:
+ Your age - a young rider is more of a risk than a middle aged one
+ Your riding experience - a new rider is more at risk than a seasoned one
+ Your driving record - how many tickets
+ Your location - an urban area is more of a risk than a county or rural area.
+ Your accident record - same as above, it builds a picture of your 'risk rating'
+ Your occupation - a rock musician can be expected to have a different 'risk rating' compared to a teacher

The factors of your motorcycle:
+ A larger 1000cc racebike replica would attract a higher risk rating than a 250cc scooter
+ Modifications or tuning - tells the insurance company that this is not a normal motorycle risk
+ Value - a motorcycle worth $20,000 will be more than one you bought at a yard sale for $200
+ Age of Bike - a 10 year old standard is less risk than a new sportbike
+ Location - safer if parked at night in your garage, and therefore less risk than if it's on the street in a
downtown area
Click on the link below to fill out a quote request form for a Maryland Motorcycle Insurance policy that
will provide excellent motorcycle insurance coverage at an affordable cost. Or you can speak with our
Maryland Motorcycle Insurance agent specialist at 301-933-5500 to discuss the insurance policy
features in more detail.