Most motorcyclists love being on the road and feeling the wind in their face. They agree that motorcycles are fun to drive and ride. But before taking your bike on the road, make sure to get motorcycle insurance.
What is Motorcycle Insurance?
Just like auto insurance, motorcycle insurance provides coverage for motorcycles. You can’t apply car insurance to a motorcycle. That’s why you need coverage that’s specifically for motorcycles.
Motorcyclists Need Coverage
If you own or operate a motorcycle, then you need this insurance. It’s illegal in most states to operate a motorcycle on public roads unless you have insurance. Just like people who own cars and trucks, motorcycle owners must have their state’s required amount of liability insurance. But you can also choose full coverage that extends beyond liability.
How it Works
Different types of coverage exist for motorcyclists. But no matter your coverage, you have to file a claim when you need assistance. You’ll also pay a monthly premium to keep your insurance active. There’s also a deductible you’ll have to pay before your insurer will pay anything.
Types of Coverage
Collision coverage pays for repairs to your motorcycle should you hit something or someone. Comprehensive coverage pays for damages caused by non-accident events, such as damage from a storm or vandalism. Uninsured and underinsured motorist coverage pays for damages caused by another driver who has no insurance or not enough insurance to cover the damage.
If you’re ever sued for causing an accident, then liability will help pay your expenses. Liability will also pay for the other driver’s expenses should you cause the accident. But there must be no doubt that you’re the at-fault driver and caused the accident. Medical payments coverage will pay medical expenses for those injured by you.
Good motorcycle insurance protects you from litigation. So you won’t find yourself paying out of pocket for outrageously high expenses. And depending on the type of coverage you have, it will also pay to have your bike repaired or replaced.