Get Moving with Motorcycle Insurance
Motorcycle insurance covers damage to your bike in case of an accident. But if you only have liability, then it pays for damages you cause to others instead of damages to your bike. In any case, don’t get on the road without motorcycle insurance in place.
For Motorcycle Owners
Motorcycle policies are for anyone who operates a motorcycle on public roads. But even if you hardly ever drive, you still need coverage. Motorcycle insurance is a smart choice and also a requirement, since most states require all vehicles to have liability coverage. While motorcycles and cars may be different vehicles, the legal insurance requirements are the same.
How it Works
Motorcycle insurance requires that you pay a monthly premium. There’s also a deductible when you need to file a claim. The premium is based on things such as age, gender, marital status, and driving record.
As for coverage, you can get comprehensive, collision, medical payments, bodily injury and property damage, liability, and uninsured or underinsured motorist coverage. There’s also the option of purchasing additional coverage for towing/rental, roadside assistance, and custom parts and equipment.
Coverage is mandatory in most states, so having coverage keeps you on the right side of the law. But motorcycle insurance is beneficial because it provides financial assistance in times of need.