Motorcycle insurance covers damage caused by accidents involving motorcycles. It also protects against liability for injuries sustained in an accident that was not your fault.
A comprehensive policy includes both collision coverage and comprehensive coverage. This type of policy will cover damages to your vehicle as well as any property damage caused by the accident. Collision coverage pays for repairs to your bike after an accident. If you cause an accident while riding your motorcycle, then you should purchase collision coverage. Comprehensive coverage does not pay for damages to your vehicle. Instead, it pays for medical expenses, lost wages, and replacement costs for damaged items such as clothing, tools, and equipment.
If you own a motorcycle, then you know that there are many different types of policies available. The most common type of coverage is collision coverage. This type of coverage pays for damage caused by collisions with other vehicles or objects. However, if you want to be covered for damage caused by accidents that aren’t related to a collision, you should purchase comprehensive coverage. Comprehensive coverage covers damages from things such as vandalism, theft, fire, and natural disasters.
Motorcycle Insurance Medical Payments Coverage
Medical payments coverage pays medical expenses incurred by others as a result of an accident involving your motorcycle. This type of coverage is usually included with liability coverage.
Uninsured/Underinsured Motorist Coverage
Underinsured motorist coverage pays damages caused by uninsured motorists. It also covers injuries sustained while riding motorcycles that are not insured by the owner.
Personal Injury Protection (PIP)
PIP provides medical benefits to cover expenses incurred as a result of an accident involving a vehicle operated without insurance. This includes emergency room visits, hospital stays, ambulance services, and prosthetic devices.
Motorcycle Insurance Roadside Assistance
If you own a motorcycle, you should consider purchasing roadside assistance coverage. This will help you when you need emergency road service while traveling. You can find roadside assistance providers online.
Optional Equipment Coverage
Some companies offer optional equipment coverage, which covers items such as windshield wipers, saddlebags, and mirrors. These items are usually covered under the standard policy, but if you want them included in your premium, you can purchase them separately.
Contact us for more information about your insurance options.