What is Motorcycle Insurance?

Motorcycle insurance is similar to auto insurance. The state requires some coverages, and others may be optional. Liability coverages are usually required by the state and generally provide coverage for damages or injuries you may cause to others in an accident.

There are other coverages you can add to cover damages to your motorcycle, accessories you have added, and even coverage to help provide towing and roadside assistance. In addition, you can choose optional limits and coverages to personalize your policy to meet your needs.

What are the different types of  Motorcycle Insurance?

Motorcycle insurance coverage benefits you, your bike, and others on the road. Types of Motorcycle Insurance policies are:

Liability insurance covers bodily injury and property damage you may cause to other people involved in an accident. However, it doesn't cover injury to you or damage to your motorcycle.

Motorcycle collision insurance covers damage to your motorcycle if you are involved in a collision with another vehicle. Your insurance company pays for damages (usually the book value of your bike before the loss occurred) minus your deductible.

Comprehensive coverage pays for damages caused by an event other than a collision, such as fire, theft, or vandalism. Like collision coverage, your insurance company will pay for damages minus your deductible, covering only the motorcycle's book value.

Coverage for customized motorcycle parts. Many comprehensive collision policies will only cover your motorcycle's standard factory parts or limit the coverage.

Uninsured/underinsured motorist (UM/UIM) coverage pays for damages to you and your property caused by another driver who either doesn't have insurance (uninsured) or doesn't have adequate insurance (underinsured). UM/UIM policies typically pay for medical treatment, lost wages, and, in some cases, property damage.

Special Coverages:

  • Accessories coverage
  • Helmet Coverage
  • Emergency Roadside Service

Why is Motorcycle Insurance important?

As a motorcycle rider, you should take care and show caution every time you are on the road. You should think about your life, your bike, and the lives of others. Motorcycle insurance is a great way to protect you against loss if you are in an accident. Bike riders need to secure and maintain motorcycle insurance for several reasons.

  • Medical bills can pile up
  • Injury to Others
  • Collision Coverage
  • Total Loss Policies

Protect yourself and your ride with customized protection. Keep in mind that many coverages are available and need to be clarified. Wondering which coverages are the best fit for you and your ride? Check with us for all the information you need to hit the open road without worrying.

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