Make Motorcycle Insurance Your Road Buddy
It’s important to have motorcycle insurance before taking your bike on the road. Driving a motorcycle puts you at a higher risk for accidents. Something as simple as debris in the road or a distracted driver can cause an accident. Here are some coverage options offered by most motorcycle insurers.
1. Collision coverage pays for damages to your motorcycle following a collision. It doesn’t matter if you’re at fault or not. As long as the collision is with another vehicle, then your insurer will help foot the bill.
2. Liability coverage is likely required by your state. Liability pays for damages or injuries that you cause someone else while riding your bike. It doesn’t pay for your injuries or repairs, but it does help you pay what you owe for harming someone else.
3. Uninsured motorist coverage is a safety net in case you’re in an accident with someone who doesn’t have insurance. Instead of being stuck paying for damages, you’ll get help from your insurer. It may also cover lost wages and the price of rehabilitation for injuries.
4. Comprehensive coverage pays for repairs to your motorcycle under various circumstances. If you hit an animal, tree, or some other object, the insurer will help pay for the repairs. But if the motorcycle is irreparable, then the insurer will reimburse you for some of its value.
Some insurers offer coverage for specialized bike equipment. Specialized equipment includes things you add to the motorcycle after purchase. You may also have the option to suspend coverage during months when your bike is in storage.