Motorcycle Insurance Coverage Types
Looking for the right kind of coverage for your chopper? An independent insurance agent can help you find the best chopper insurance for you.
Do you need insurance on a dirt bike? We'll answer this question, as well as provide estimates for dirt bike insurance costs and more.
Searching for the right kind of classic bike insurance? An independent insurance agent can help you find the best classic bike insurance policy for you.
Do you need insurance for a scooter, and how much is scooter insurance? We'll answer these questions and help you find the right scooter insurance policy.
Looking for the right Harley Davidson insurance company? An independent insurance agent can help you find the best Harley Davidson motorcycle insurance for your ride.
Motorcycle Liability Insurance
How much is liability insurance for a motorcycle? We'll answer this question and get you matched to an independent insurance agent who can find you coverage.
Worried about your motorcycle getting stolen? We'll help you get the coverage you need against motorcycle theft.
Having collision coverage for your regular vehicles and motorcycle is critical. Here's a breakdown of this important coverage.
Having uninsured motorist insurance for your motorcycle is always a good plan. Here's more about this important coverage.
Standard Motorcycle Insurance Coverage Options
You can expect to find the following types of coverage in most standard motorcycle insurance policies:
- Liability coverage: This pays for expenses related to third-party claims of bodily injury or personal property damage caused by you and your motorcycle.
- Collision coverage: Pays for damage to your motorcycle from a collision with another object, regardless of fault.
- Comprehensive coverage: Pays for damage to your motorcycle due to a non-collision event, such as a flood or theft.
- Uninsured/underinsured motorist coverage: This covers expenses if you're involved in an accident with another rider or driver who doesn't have sufficient coverage to pay for their portion of the expenses.
- Personal injury protection: This pays for medical expenses, lost income, funeral expenses, and more if you get injured in a collision. This coverage is not available in all states.
- Medical payments coverage: This covers medical expenses if you injure yourself or your passengers while operating your motorcycle.
An independent insurance agent can help you build a complete motorcycle insurance policy.
Extra Motorcycle Insurance Coverage Options
Beyond the standard coverage options, you might consider adding some or all of the following extra protections to your motorcycle insurance policy:
- Motorcycle gap insurance: This covers the difference between your motorcycle's current value and what's owed on your loan or lease if your bike is declared a total loss.
- Towing and labor coverage: This covers expenses related to professional towing and labor services if you get into a collision or your motorcycle breaks down while you're out on the road.
- Rental reimbursement: This covers the cost of a rental vehicle if your motorcycle gets stolen or is in the shop for repairs.
- Motorcycle and off-road vehicle transport trailer damage coverage: This covers expenses related to trailer damage and losses relating to collision, rollover, vandalism, and many natural disasters.
- Optional/added equipment coverage: This covers aftermarket upgrades to your motorcycle, like crash bars, custom seats, and fairings.
Talk to your independent insurance agent about any additional types of motorcycle insurance coverage you might need.
What Is Full Coverage Motorcycle Insurance?
You may have heard the term "full coverage" when shopping for motorcycle insurance. While some customers believe this is a standard policy, in reality, "full coverage" can refer to several types of coverage packaged together, and the specifics can vary depending on the insurer. For example, you might find some full coverage policies that offer a combination of liability, collision, and comprehensive coverage, while others might include uninsured motorist coverage.
To ensure you get all the coverage you really need for your motorcycle, work together with an independent insurance agent. They can help you build a motorcycle insurance policy that includes every protection required by law and according to your personal preferences.
How an Independent Insurance Agent Can Help You Get the Best Motorcycle Insurance
Independent insurance agents are the best resource around when shopping for motorcycle insurance. Not only can they get quotes from multiple insurance companies, but they can also help you compare coverage and make sure you're getting the coverage you need at an affordable price.
What's more, your independent insurance agent will be there for you at claim time and beyond, making sure you get top-notch customer service and expert advice when you need it.