Motorcycles are getting more and more popular as gas prices rise. When it comes to insuring your motorcycle there are a few specifics to look at to make sure you are protected from the various hazards on the road.
Most states require the motorcycles have liability insurance, which cover bodily injury and property damage that is done to the other person or vehicle in the event of an accident. Liability insurance does not cover you bike or any medical costs that you have. Beyond liability insurance, there are many more options to add to your policy to protect from different incidents.
- Collision insurance covers the damages done to your bike, after the deductible is met. It usually covers the book value of the bike before the collision, even if the accident was your fault.
- Uninsured/underinsured motorist coverage protects you in the event of an accident that is caused by another motorist that is not insured or does not have the adequate amount of insurance. This insurance will cover any medical costs, lost wages, or other damages that occur to you or your passengers.
- Comprehensive motorcycle insurance covers your motorcycle from non-accident related issues, such as theft, fire, or acts of vandalism. The insurance company will only pay the book value of the bike, after you meet your deductible. If you add any additional accessories to your motorcycle, such as chrome parts, a custom paint job, or a sidecar, you should look into purchasing additional coverage.
When riding your motorcycle, it is important to follow recommended safety tips, such as wearing a helmet, boots, and protective clothing, and driving defensively, especially when riding through intersections. Also, make sure you have the proper insurance policy for your lifestyle.
Little & Sons Insurance Services can help you find the perfect insurance policy for you and your motorcycle.
