Motorcycle Insurance
Motorcycle insurance can cover much more than just damage to your bike. Please read below to learn more about important options to cover your property:
What Does Motorcycle Insurance Cover?
Motorcycle insurance is designed to protect both your bike and you. A standard policy typically includes the following coverages:
Basic Coverages
- Bodily Injury Liability Coverage: Covers medical expenses and lost wages for other drivers if you're at fault in an accident that causes injury or death. Some policies extend this to include passengers on your motorcycle.
- Property Damage Liability Coverage: Helps pay for repairs or replacements if you damage someone else's property while riding.
Optional Coverages
To enhance your protection, many riders opt for additional coverages:
- Collision Coverage: Covers damage to your motorcycle resulting from a collision with another vehicle or object, such as a tree or building.
- Comprehensive Coverage: Protects against damages not caused by collisions, including theft, vandalism, flooding, and other natural disasters.
- Rental Reimbursement Coverage: Helps cover the cost of renting a motorcycle if yours is stolen or undergoing repairs due to a covered loss.
- Optional or Added Equipment Coverage: Some policies automatically include $1,000 worth of coverage for upgrades or added equipment. You can opt for higher limits, potentially up to $30,000, for additional enhancements made to your motorcycle.
Understanding these coverages allows you to build a motorcycle insurance policy to fit your needs, ensuring you have adequate protection on the road. Whether it’s basic liability or additional coverage, there are options to suit every rider.
