Affordable Motorcycle Insurance
You know how important safety is when you ride your motorcycle. Part of that safety is being responsible and having the insurance coverage you need. Almost every state requires a minimum amount of liability insurance to cover bodily injury or property damage in the event your are found at fault for an accident. There are other types of coverage available as well.
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Optional Motorcycle Coverage
Aside from the required liability coverage in your state you will want to consider some additional coverage. Liability coverage only covers the other party if you are found at fault in an accident, and doesn’t cover your injuries or damages to your bike. Here are some of the different types of coverage you should consider:
1) Collision Coverage - repairs to your motorcycle if it is damaged in a collision with a vehicle or a stationary object, such as a telephone pole. Or it pays the fair market value of your motorcycle if it is totaled.
2) Comprehensive Coverage - pays for damage to your motorcycle caused by something other than a collision, such as vandalism, theft, flood, fire or damage caused by an animal.
3) Medical Payments Coverage - (MPC) or Personal Injury Protection (PIP) (depending upon which state you live in) pays medical expenses for you, your passengers or any pedestrian up to a certain amount. It also pays a small amount for funeral expenses.
4) Uninsured Motorist and Underinsured Motorist Coverage - pays you if you’re involved in an accident with someone who doesn’t have any insurance or doesn’t have enough insurance to compensate you for your loss.
5) Rental Coverage - will pay the cost of renting a motorcycle while yours is being repaired.
6) Accessories Coverage - if your helmet, saddlebags, custom wheels or other accessory or your custom paint job is damaged, can help pay for repair or replacement costs.
It can be difficult to know which coverage is right for you. We make it easy to request quotes and information. Get started today and request a quote here! After all, safety gear isn’t the only protection you need when you ride your motorcycle!