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What is motorcycle insurance?
There’s nothing quite like owning a motorcycle. The freedom of hitting the open road and feeling the wind on your face is undescribed. While safety apparel and motorcycle insurance are probably the least exciting aspects of owning a new bike, it is still vital to ensure that you and your ride are protected.
The good news is that motorcycle insurance is similar to auto insurance — it comes with liability, comprehensive, and collision coverage for you, your passengers, and your bike. Let’s get into the basics of motorcycle insurance coverage, beginning with the various coverage options.
These are the coverages available in most states. Remember, insurance won’t cover maintenance or general wear and tear.
Damages/injuries you cause
Liability: Is the only required coverage in most states. While it’s true that motorcyclists usually bear the brunt of a collision, liability insurance is crucial if you’re in an accident and are responsible for someone else’s injuries or damages. Liability coverage pays for:
- Damage to other vehicles (cars, motorcycles, etc.)
- Damage to objects (mailbox, phone pole, house, etc.)
- Other drivers’ and their passengers’ injuries
- Lawsuits if someone sues you because of an accident
Damages to your motorcycle from events beyond your control
Comprehensive: This coverage protects your bike from:
- Windshield damage
- Vandalism, riots, explosions, and fire
- Falling trees/branches/limbs and other objects
- Rocks, debris, or other objects kicked up by other vehicles
- Storms, wind, hail, floods, earthquakes, lightning
- Accidents with animals (hitting a deer)
- Your bike getting knocked over
Damages to your motorcycle from accidents
Collision: Covers any damage to your motorcycle if you collide with another vehicle or object, regardless of fault. You’re also covered if your bike is overturned.
Damages to your motorcycle from uninsured drivers/riders
Uninsured/underinsured motorist property damage: If your motorcycle is damaged by a driver who isn’t carrying insurance or doesn’t have enough to cover the damage they’ve caused, uninsured/underinsured motorist coverage will kick in. This coverage will then repair or replace your bike up to your policy’s limits. The same goes for injuries you suffer at the hands of an uninsured or underinsured driver—we’ll cover your injuries up to the limits of your policy.
Medical payments: Pays for the medical bills for you and your passengers if you’re in an accident, regardless of fault.
If you’re in the market for affordable motorcycle insurance quotes, your best bet is to shop around with as many companies as possible. Only by comparing quotes can you find the best rate for your needs. If you’re interested in quotes from Progressive, Dairyland, or Foremost, call us at 208-403-0154 or click below.