{"id":713,"date":"2022-06-28T15:16:14","date_gmt":"2022-06-28T15:16:14","guid":{"rendered":"https:\/\/www.southernharvestinsurance.com\/blog\/?p=713"},"modified":"2025-08-13T01:55:40","modified_gmt":"2025-08-13T01:55:40","slug":"is-your-bike-totaled-in-ga","status":"publish","type":"post","link":"https:\/\/www.southernharvestinsurance.com\/blog\/motorcycle\/is-your-bike-totaled-in-ga\/","title":{"rendered":"How Does Motorcycle Insurance in Georgia Handle a Destroyed Bike?\u00a0"},"content":{"rendered":"<div class=\"c-section\">\n    <div class=\"c-article\">\n        <div class=\"o-wrapper o-wrapper--small\">\n                                                            <picture class=\"c-article__pic\">\n                    <img decoding=\"async\" class=\"c-article__img\" loading=\"lazy\" src=\"https:\/\/www.southernharvestinsurance.com\/blog\/wp-content\/uploads\/sites\/2\/2022\/06\/how-does-motorcycle-insurance-in-georgia-handle-a-destroyed-bike.jpg\" alt=\"crashed motorcycle on road\" width=\"320\" height=\"160\">\n                <\/picture>\n                                        <div class=\"c-article__content\">\n                <div class=\"s-cms-content\">\n                    <p><span data-contrast=\"auto\">When you buy a motorcycle, the thought that you might get in an accident is probably the farthest thing from your mind. Instead, you\u2019re thinking of hitting the open road to travel to destinations known and unknown. However, getting in an accident with a motorcycle can be far more dangerous than if you were in a car. There is a better chance that your bike will get damaged or destroyed in an accident<\/span><span data-contrast=\"auto\">.<\/span><span data-contrast=\"auto\"> This is one reason why you purchased <\/span><a href=\"https:\/\/www.southernharvestinsurance.com\/motorcycle-insurance\/\"><span data-contrast=\"none\">affordable motorcycle insurance.<\/span><\/a><span data-ccp-props=\"{&quot;335559738&quot;:180,&quot;335559739&quot;:180}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Although there are many similarities in how insurance companies handle damage to vehicles and motorcycles in an accident, there is a higher chance of injuries or damage with a motorcycle than with a standard car and that is taken into account.<\/span><span data-ccp-props=\"{&quot;335559738&quot;:180,&quot;335559739&quot;:180}\">\u00a0<\/span><\/p>\n<h2>How Do You Protect Your Motorcycle Investment in Georgia?<\/h2>\n<p><span data-contrast=\"auto\">First and foremost, you must carry adequate <\/span><a href=\"https:\/\/www.southernharvestinsurance.com\/blog\/motorcycle\/8-tips-for-new-motorcycle-owners-in-georgia\"><span data-contrast=\"none\">motorcycle insurance<\/span><\/a><span data-contrast=\"auto\"> before taking your bike out for a spin. All drivers on the road, whether behind the wheel of a car or at the helm of a motorcycle, are <\/span><a href=\"https:\/\/www.southernharvestinsurance.com\/blog\/motorcycle\/what-to-expect-if-caught-riding-without-motorcycle-insurance-in-georgia\/\"><span data-contrast=\"none\">required by Georgia law<\/span><\/a><span data-contrast=\"auto\"> to carry at least the minimum liability insurance coverage, plus other requirements. The minimum liability insurance required is:<\/span><span data-ccp-props=\"{&quot;335559738&quot;:180,&quot;335559739&quot;:180}\">\u00a0<\/span><\/p>\n<ul>\n<li data-leveltext=\"\u2022\" data-font=\"Calibri\" data-listid=\"3\" data-list-defn-props=\"{&quot;335551671&quot;:0,&quot;335552541&quot;:1,&quot;335559684&quot;:-2,&quot;335559685&quot;:480,&quot;335559991&quot;:480,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\u2022&quot;,&quot;469777815&quot;:&quot;multilevel&quot;}\" data-aria-posinset=\"0\" data-aria-level=\"1\"><span data-contrast=\"auto\">$25,000 bodily injury per person per accident<\/span><span data-ccp-props=\"{&quot;335559738&quot;:36,&quot;335559739&quot;:36}\">\u00a0<\/span><\/li>\n<li data-leveltext=\"\u2022\" data-font=\"Calibri\" data-listid=\"3\" data-list-defn-props=\"{&quot;335551671&quot;:0,&quot;335552541&quot;:1,&quot;335559684&quot;:-2,&quot;335559685&quot;:480,&quot;335559991&quot;:480,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\u2022&quot;,&quot;469777815&quot;:&quot;multilevel&quot;}\" data-aria-posinset=\"0\" data-aria-level=\"1\"><span data-contrast=\"auto\">$50,000 bodily injury for all people per accident<\/span><span data-ccp-props=\"{&quot;335559738&quot;:36,&quot;335559739&quot;:36}\">\u00a0<\/span><\/li>\n<li data-leveltext=\"\u2022\" data-font=\"Calibri\" data-listid=\"3\" data-list-defn-props=\"{&quot;335551671&quot;:0,&quot;335552541&quot;:1,&quot;335559684&quot;:-2,&quot;335559685&quot;:480,&quot;335559991&quot;:480,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\u2022&quot;,&quot;469777815&quot;:&quot;multilevel&quot;}\" data-aria-posinset=\"0\" data-aria-level=\"1\"><span data-contrast=\"auto\">$25,000 property damage coverage<\/span><span data-ccp-props=\"{&quot;335559738&quot;:36,&quot;335559739&quot;:36}\">\u00a0<\/span><\/li>\n<\/ul>\n<p><span data-contrast=\"auto\">However, liability insurance only covers injuries and damage to the other driver in an accident. If your motorcycle gets into an accident with an SUV or truck, chances are your bike will sustain more damage than the other vehicle involved. To ensure you can cover your bike&#8217;s damages, you should also carry collision and <\/span><a href=\"https:\/\/www.southernharvestinsurance.com\/blog\/auto-insurance\/comprehensive-car-insurance-in-ga\/\"><span data-contrast=\"none\">comprehensive insurance coverage<\/span><\/a><span data-contrast=\"auto\">.<\/span><span data-ccp-props=\"{&quot;335559738&quot;:180,&quot;335559739&quot;:180}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Collision insurance helps pay for any damage to your <\/span><a href=\"https:\/\/www.southernharvestinsurance.com\/blog\/motorcycle\/motorcycle-maintenance-for-georgia-bikers\/\"><span data-contrast=\"none\">motorcycle<\/span><\/a><span data-contrast=\"auto\"> in an accident that was your fault. If the accident was the fault of another driver, then that person&#8217;s insurance should pay for the damages to your bike. With collision insurance coverage, you can file claims with both your insurance company and the at-fault driver\u2019s insurance company.<\/span><span data-ccp-props=\"{&quot;335559738&quot;:180,&quot;335559739&quot;:180}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Comprehensive insurance will cover damage to your motorcycle caused by other incidents that aren\u2019t traffic accidents. For example, if you were to hit a deer while on your bike, you would be covered under your comprehensive insurance.<\/span><span data-ccp-props=\"{&quot;335559738&quot;:180,&quot;335559739&quot;:180}\">\u00a0<\/span><\/p>\n<h2>What Should You Do If You Get in an Accident in Georgia with Your Motorcycle?<\/h2>\n<p><span data-contrast=\"auto\">If you get into an accident while riding your motorcycle, hopefully, you are lucky enough to walk away unscathed. However, your bike might not be so fortunate. After an accident, your insurance company will determine if your damaged motorcycle can be repaired or if it is \u201ctotaled.\u201d<\/span><span data-ccp-props=\"{&quot;335559738&quot;:180,&quot;335559739&quot;:180}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">You should contact your insurance company as soon as you can after an accident. If possible, take pictures of the damage down to every little scratch, paint mark, and dent. Your motorcycle is now a key piece of evidence you\u2019ll need for an <\/span><a href=\"https:\/\/www.southernharvestinsurance.com\/blog\/motorcycle\/how-can-i-lower-the-price-of-my-motorcycle-insurance-in-georgia\/\"><span data-contrast=\"none\">accident claim with your insurance company<\/span><\/a><span data-contrast=\"auto\"> and the at-fault driver\u2019s insurance company. You may want to go one step further and have the damaged bike inspected by a mechanic.<\/span><span data-ccp-props=\"{&quot;335559738&quot;:180,&quot;335559739&quot;:180}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">You must contact your insurance company as soon as possible because there is usually a 30-day window of time to file a claim.<\/span><span data-ccp-props=\"{&quot;335559738&quot;:180,&quot;335559739&quot;:180}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Georgia state law also requires that any traffic accident that results in more than $500 in property damage be reported to law enforcement. At the scene, police officers will assess the damage and talk to those involved in the accident and witnesses to determine who is at fault. Copies of the police accident reports are available through the Georgia Department of Public Safety.<\/span><span data-ccp-props=\"{&quot;335559738&quot;:180,&quot;335559739&quot;:180}\">\u00a0<\/span><\/p>\n<h2>Will Insurance Cover The Cost of Your Motorcycle If It Is Destroyed?<\/h2>\n<p><span data-contrast=\"auto\">If your motorcycle is destroyed in an accident, the insurance company will only cover the actual cash value of the bike. For example, if you paid $5,000 for your bike, but its value is now $2,000, the insurance company will pay you $2,000.<\/span><span data-ccp-props=\"{&quot;335559738&quot;:180,&quot;335559739&quot;:180}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">That\u2019s why Guaranteed Asset Protection, or GAP, insurance is another coverage you\u2019ll want to have if you are financing your ride and are still making payments. If your motorcycle is worth less than what you owe, your GAP insurance will help you pay the difference.<\/span><span data-ccp-props=\"{&quot;335559738&quot;:180,&quot;335559739&quot;:180}\">\u00a0<\/span><\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\" wp-image-715 aligncenter\" src=\"https:\/\/www.southernharvestinsurance.com\/blog\/wp-content\/uploads\/sites\/2\/2022\/06\/how-does-motorcycle-insurance-in-georgia-handle-a-destroyed-bike-2.jpg\" alt=\"crashed motorcycle on road\" width=\"747\" height=\"497\" srcset=\"https:\/\/www.southernharvestinsurance.com\/blog\/wp-content\/uploads\/sites\/2\/2022\/06\/how-does-motorcycle-insurance-in-georgia-handle-a-destroyed-bike-2.jpg 1000w, https:\/\/www.southernharvestinsurance.com\/blog\/wp-content\/uploads\/sites\/2\/2022\/06\/how-does-motorcycle-insurance-in-georgia-handle-a-destroyed-bike-2-300x200.jpg 300w, https:\/\/www.southernharvestinsurance.com\/blog\/wp-content\/uploads\/sites\/2\/2022\/06\/how-does-motorcycle-insurance-in-georgia-handle-a-destroyed-bike-2-768x511.jpg 768w, https:\/\/www.southernharvestinsurance.com\/blog\/wp-content\/uploads\/sites\/2\/2022\/06\/how-does-motorcycle-insurance-in-georgia-handle-a-destroyed-bike-2-600x399.jpg 600w, https:\/\/www.southernharvestinsurance.com\/blog\/wp-content\/uploads\/sites\/2\/2022\/06\/how-does-motorcycle-insurance-in-georgia-handle-a-destroyed-bike-2-960x638.jpg 960w, https:\/\/www.southernharvestinsurance.com\/blog\/wp-content\/uploads\/sites\/2\/2022\/06\/how-does-motorcycle-insurance-in-georgia-handle-a-destroyed-bike-2-245x163.jpg 245w, https:\/\/www.southernharvestinsurance.com\/blog\/wp-content\/uploads\/sites\/2\/2022\/06\/how-does-motorcycle-insurance-in-georgia-handle-a-destroyed-bike-2-285x190.jpg 285w\" sizes=\"(max-width: 747px) 100vw, 747px\" \/><\/p>\n<h2>What If Your Motorcycle is Totaled in Georgia?<\/h2>\n<p><span data-contrast=\"auto\">In Georgia, there is no legal definition for a totaled vehicle, so it falls on your insurance company to decide whether or not your bike is a total loss. Most insurance companies consider a motorcycle is totaled if:<\/span><span data-ccp-props=\"{&quot;335559738&quot;:180,&quot;335559739&quot;:180}\">\u00a0<\/span><\/p>\n<ul>\n<li data-leveltext=\"\u2022\" data-font=\"Calibri\" data-listid=\"4\" data-list-defn-props=\"{&quot;335551671&quot;:0,&quot;335552541&quot;:1,&quot;335559684&quot;:-2,&quot;335559685&quot;:480,&quot;335559991&quot;:480,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\u2022&quot;,&quot;469777815&quot;:&quot;multilevel&quot;}\" data-aria-posinset=\"0\" data-aria-level=\"1\"><span data-contrast=\"auto\">There is structural damage that can\u2019t be repaired<\/span><span data-ccp-props=\"{&quot;335559738&quot;:36,&quot;335559739&quot;:36}\">\u00a0<\/span><\/li>\n<li data-leveltext=\"\u2022\" data-font=\"Calibri\" data-listid=\"4\" data-list-defn-props=\"{&quot;335551671&quot;:0,&quot;335552541&quot;:1,&quot;335559684&quot;:-2,&quot;335559685&quot;:480,&quot;335559991&quot;:480,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\u2022&quot;,&quot;469777815&quot;:&quot;multilevel&quot;}\" data-aria-posinset=\"0\" data-aria-level=\"1\"><span data-contrast=\"auto\">The frame of the bike is damaged in any way<\/span><span data-ccp-props=\"{&quot;335559738&quot;:36,&quot;335559739&quot;:36}\">\u00a0<\/span><\/li>\n<li data-leveltext=\"\u2022\" data-font=\"Calibri\" data-listid=\"4\" data-list-defn-props=\"{&quot;335551671&quot;:0,&quot;335552541&quot;:1,&quot;335559684&quot;:-2,&quot;335559685&quot;:480,&quot;335559991&quot;:480,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\u2022&quot;,&quot;469777815&quot;:&quot;multilevel&quot;}\" data-aria-posinset=\"0\" data-aria-level=\"1\"><span data-contrast=\"auto\">The repairs will cost more than 50 to 75 percent of the bike\u2019s actual cash value<\/span><span data-ccp-props=\"{&quot;335559738&quot;:36,&quot;335559739&quot;:36}\">\u00a0<\/span><\/li>\n<\/ul>\n<p><span data-contrast=\"auto\">If your motorcycle is an older model, it might not take a lot of damage for the insurance company to deem it a total loss.<\/span><span data-ccp-props=\"{&quot;335559738&quot;:180,&quot;335559739&quot;:180}\">\u00a0<\/span><\/p>\n<h2>Additional Insurance Coverage Options for Your Motorcycle.<\/h2>\n<h3><b><span data-contrast=\"none\">Accessories coverage<\/span><\/b><span data-ccp-props=\"{&quot;335559738&quot;:200,&quot;335559739&quot;:0}\">\u00a0<\/span><\/h3>\n<p><span data-contrast=\"auto\">Motorcycle enthusiasts often spend a lot on accessories and custom bike parts like leather motorcycle jackets and chaps, saddlebags, and chrome parts. If that sounds like you, you may consider getting your additional accessories coverage on your motorcycle insurance policy. This add-on protection can cover up to $30,000 of your bike\u2019s accessories,<\/span><span data-ccp-props=\"{&quot;335559738&quot;:180,&quot;335559739&quot;:180}\">\u00a0<\/span><\/p>\n<h3><b><span data-contrast=\"none\">Trip interruption coverage<\/span><\/b><span data-ccp-props=\"{&quot;335559738&quot;:200,&quot;335559739&quot;:0}\">\u00a0<\/span><\/h3>\n<p><span data-contrast=\"auto\">Getting in an accident on your motorcycle is bad enough, but if you are on a road trip far from home, you can end up stranded. This is where trip interruption coverage comes in handy. It helps pay for your hotel, food, and transportation if the accident happens more than 100 miles from your home.<\/span><span data-ccp-props=\"{&quot;335559738&quot;:180,&quot;335559739&quot;:180}\">\u00a0<\/span><\/p>\n<h3><b><span data-contrast=\"none\">Roadside assistance<\/span><\/b><span data-ccp-props=\"{&quot;335559738&quot;:200,&quot;335559739&quot;:0}\">\u00a0<\/span><\/h3>\n<p><span data-contrast=\"auto\">Roadside assistance is another insurance coverage that\u2019s handy to have if you are on a road trip and your motorcycle breaks down. It covers the cost of towing your bike to a place where it can be repaired.<\/span><span data-ccp-props=\"{&quot;335559738&quot;:180,&quot;335559739&quot;:180}\">\u00a0<\/span><\/p>\n<h3><b><span data-contrast=\"none\">Transportation trailer coverage<\/span><\/b><span data-ccp-props=\"{&quot;335559738&quot;:200,&quot;335559739&quot;:0}\">\u00a0<\/span><\/h3>\n<p><span data-contrast=\"auto\">If you\u2019re hauling your motorcycle, you may also want to ensure you have insurance coverage on the trailer. Some insurance companies offer separate travel trailer insurance policies.<\/span><span data-ccp-props=\"{&quot;335559738&quot;:180,&quot;335559739&quot;:180}\">\u00a0<\/span><\/p>\n                <\/div>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/div>\n\n\n<div class=\"c-section c-more-options\">\n    <div class=\"o-wrapper o-wrapper--small\">\n        <h2 class=\"c-more-options__title\">Protect Your Ride With Low-Cost Motorcycle Insurance Today! <\/h2>\n\n        <div class=\"c-more-options__content\">\n            <div class=\"s-cms-content\">\n                <p><span data-contrast=\"auto\">There&#8217;s nothing better than heading out on the highway looking for adventure at the helm of a motorcycle. Before jumping in the saddle, ensure you have adequate, affordable motorcycle insurance to help protect yourself and your ride.<\/span><span data-ccp-props=\"{&quot;335559738&quot;:180,&quot;335559739&quot;:180}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">To get a quote on motorcycle insurance, visit one of our <\/span><a href=\"https:\/\/www.southernharvestinsurance.com\/locations\/\"><span data-contrast=\"none\">Southern Harvest offices<\/span><\/a><span data-contrast=\"auto\">, call us at <\/span><a href=\"tel:877-831-4677\"><span data-contrast=\"none\">877-831-4677<\/span><\/a><span data-contrast=\"auto\"> or get a <\/span><a href=\"https:\/\/www.southernharvestinsurance.com\/\"><span data-contrast=\"none\">quote for motorcycle insurance online<\/span><\/a><span data-contrast=\"auto\">.<\/span><span data-ccp-props=\"{&quot;335559738&quot;:180,&quot;335559739&quot;:180}\">\u00a0<\/span><\/p>\n            <\/div>\n                            <ul class=\"o-list-bare c-more-options__list\">\n                                                        <li class=\"o-list-bare__item c-more-options__item\">\n                        <a class=\"c-more-options__link c-more-options__link--green\" href=\"https:\/\/www.southernharvestinsurance.com\/motorcycle-insurance-quote-form\/\">\n                            <span class=\"o-icon c-more-options__icon\"><svg focusable=\"false\" role=\"img\"><use xlink:href=\"https:\/\/www.southernharvestinsurance.com\/blog\/wp-content\/themes\/southern\/assets\/html\/images\/icons\/icons.svg#icon-quote\"><\/use><\/svg><\/span>\n                            <div class=\"c-more-options__link-text\">Get a Quote<\/div>\n                        <\/a>\n                    <\/li>\n                                                        <li class=\"o-list-bare__item c-more-options__item\">\n                        <a class=\"c-more-options__link c-more-options__link--brown\" href=\"tel:877-831-4677\">\n                            <span class=\"o-icon c-more-options__icon\"><svg focusable=\"false\" role=\"img\"><use xlink:href=\"https:\/\/www.southernharvestinsurance.com\/blog\/wp-content\/themes\/southern\/assets\/html\/images\/icons\/icons.svg#icon-phone-linear\"><\/use><\/svg><\/span>\n                            <div class=\"c-more-options__link-text\">Call Us<\/div>\n                        <\/a>\n                    <\/li>\n                                                        <li class=\"o-list-bare__item c-more-options__item\">\n                        <a class=\"c-more-options__link c-more-options__link--dark-blue\" href=\"https:\/\/www.southernharvestinsurance.com\/locations\">\n                            <span class=\"o-icon c-more-options__icon\"><svg focusable=\"false\" role=\"img\"><use xlink:href=\"https:\/\/www.southernharvestinsurance.com\/blog\/wp-content\/themes\/southern\/assets\/html\/images\/icons\/icons.svg#icon-location-linear\"><\/use><\/svg><\/span>\n                            <div class=\"c-more-options__link-text\">Find Your Office<\/div>\n                        <\/a>\n                    <\/li>\n                                <\/ul>\n                    <\/div>\n    <\/div>\n<\/div>","protected":false},"excerpt":{"rendered":"","protected":false},"author":1,"featured_media":714,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[7],"tags":[],"acf":[],"_links":{"self":[{"href":"https:\/\/www.southernharvestinsurance.com\/blog\/wp-json\/wp\/v2\/posts\/713"}],"collection":[{"href":"https:\/\/www.southernharvestinsurance.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.southernharvestinsurance.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.southernharvestinsurance.com\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.southernharvestinsurance.com\/blog\/wp-json\/wp\/v2\/comments?post=713"}],"version-history":[{"count":2,"href":"https:\/\/www.southernharvestinsurance.com\/blog\/wp-json\/wp\/v2\/posts\/713\/revisions"}],"predecessor-version":[{"id":717,"href":"https:\/\/www.southernharvestinsurance.com\/blog\/wp-json\/wp\/v2\/posts\/713\/revisions\/717"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.southernharvestinsurance.com\/blog\/wp-json\/wp\/v2\/media\/714"}],"wp:attachment":[{"href":"https:\/\/www.southernharvestinsurance.com\/blog\/wp-json\/wp\/v2\/media?parent=713"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.southernharvestinsurance.com\/blog\/wp-json\/wp\/v2\/categories?post=713"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.southernharvestinsurance.com\/blog\/wp-json\/wp\/v2\/tags?post=713"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}