As with auto insurance, motorcycle insurance policies are made up of several components, some of which are legally required while others are optional, but a smart buy.
The absolute minimum coverage you’ll need when it comes to motorcycle insurance is liability insurance, which covers costs you have to pay to other people after an accident that’s your fault–including their medical bills and repairing or replacing their vehicle. Your state’s laws will set a minimum amount of coverage for liability insurance, but you may want the peace of mind of getting a higher coverage limit.
Motorcycle collision coverage will pay out to repair or replace your bike after a crash, even if it’s deemed your fault. Meanwhile, comprehensive coverage adds in coverage for your bike being stolen, vandalized or damaged by fire.
Other optional extras worth considering include specific coverage for custom motorcycle parts such as GPS or trailers that you’ve added to your bike and aren’t necessarily included in your standard policy. You can also get coverage that pays your costs if you’re involved in a collision with an uninsured driver or rider. Finally, don’t forget roadside assistance, which will get you to a repair facility if your bike has a mechanical breakdown or you suffer a flat tire.
We’re happy to talk through the details of motorcycle insurance, of course. Contact us, and we’ll lead the way.