Motorcycle insurance is necessary whether you’re riding for fun on the weekends or it’s used for your daily commute to work. What coverages do you need?
It's the coverage that helps you pay for damage so it doesn't come out of your pocket.
A must-have when an accident is your fault. Don’t skimp on this coverage. This compensates others for losses if you're responsible for injuring another person or damaging their vehicle or property. Liability coverage also helps pay the costs of related lawsuits.
Two common types of liability coverage:
This option helps pay for any essential medical bills. Don’t assume your medical insurance will cover everything.
If a driver who is responsible for the accident doesn’t have insurance or has insufficient insurance, this will cover the cost of injuries to you. It also covers you if the at-fault driver’s insurance company denies the claim or if the driver ends up owing more than what their insurance will pay. Accidents involving hit and run drivers are also covered, as are medical bills.
Protects you from costs associated with an accident involving your motorcycle.
Collision helps pay for the repairs covered by your policy to get your motorcycle fixed after an accident.
With this coverage, your motorcycle is covered for damages that aren’t caused due to a collision. Such as theft or vandalism.
Accessories may include riding apparel, helmets, leathers and boots. Your policy will include a maximum amount of automatic accessories coverage but depending on how much money you have put into your accessories, you may want to consider additional coverage.
U.S. Motorcycle Helmet LawsThe Insurance Institute For Highway Safety provides helmet use laws |