Basics of Motorcycle Insurance
Accidents are common when you are a motorcyclist. Most motorcyclists drive safely, but there is more risk being on two wheels with hundreds of enclosed four wheeled vehicles around. Anyone who drives a motorcycle needs motorcycle insurance. That is why you want the right coverage for your bike and driving habits.
Motorcycle insurance is like having car insurance, but it has features created for motorcycles.
Basic motorcycle insurance covers bodily injury and property liability. If you are at fault for an accident, then insurance will pay the medical bills and property damage for which you are at fault. Uninsured or underinsured coverage pays for injuries, damages, and medical payments when the at-fault party is not insured or is underinsured.
Basic coverage does not include everything, so supplemental insurance is available to help. This can include custom parts, towing costs, roadside assistance, and off-road vehicle transport or repairs.
It’s also possible to tailor motorcycle insurance for a specific type of bike. This could include traditional motorcycles, ATVs, cruiser, limited production cruisers, sports bikes made for speed, and more.
Talk to your insurance agent, and you will be able to ensure that you have enough insurance to cover your bike and any add-ons.