More About Motorcycle Insurance

Different types of motorcycle insurances vary in their levels of coverage depending on the insurer and the state’s laws. Generally speaking, they all offer similar protections such as bodily injury liability, property damage liability, uninsured motorist protection, and medical payments coverage. Bodily injury liability covers costs related to injuries sustained by someone else due to an accident you cause with your motorcycle. Property damage liability covers the repair or replacement of another person’s property damaged by you while operating your motorcycle. Uninsured motorist protection helps cover costs associated with injuries sustained in an accident caused by a driver who does not have insurance, and medical payments coverage provides financial assistance for medical expenses related to injuries you sustain while riding.

In addition to these common forms of coverage, some insurers offer additional options such as collision coverage, comprehensive coverage, accessory/equipment coverage, roadside assistance coverage, and trip interruption/cancellation insurance. Collision coverage helps pay for damages to your own bike when it collides with another vehicle or object; comprehensive coverage pays for damages due to theft, vandalism or natural disasters; accessory/equipment coverage helps cover the cost of lost or damaged accessories or equipment; roadside assistance coverage provides help with towing and repairs; and trip interruption/cancellation insurance covers costs associated with unexpected cancellations or interruptions of your motorcycle trip.

Let Us Help You

Before settling on a motorcycle insurance policy, it’s important to consider what type of coverage you need. Comparing different policies is a great way to find one that fits your budget and offers the protection you require. Doing some research online can also be helpful in understanding various terms and conditions associated with each policy. It’s also beneficial to speak directly with an insurance agent who can provide further guidance on how much coverage is right for you. Call us or click on the quote button for a free consultation with our team.