What Your Motorcycle Insurance Policy Should Cover

Insurance Blog

When you buy a motorcycle, you need to purchase insurance, just like if you had bought a car or truck. As with any other type of insurance, it is good to know what to expect, what might be covered, and where you need a little extra coverage. Here are some areas of coverage to make sure you have in your policy

Bodily Injuries and Motorcycle Damage

Make sure your motorcycle insurance policy includes coverage both for injuries to yourself and damages to your motorcycle. Many motorcycle policies do come with a small amount of bodily injury coverage, but you may want to add to it. You want your bodily injuries covered whether you were at fault for the accident or not. Getting into an accident while on a motorcycle often results in serious injuries, so this is a very important coverage to have with your insurance. Also check to see how much damage to the motorcycle itself will be included so you can repair or replace your bike after a wreck. 

Roadside Coverage

Another good area of insurance coverage to be sure you have in your policy is roadside coverage. This is often included in a comprehensive policy, or you can get it as an add-on for a liability insurance policy, though this varies based on the insurance company. With roadside coverage, you will get help if your motorcycle breaks down, if you run out of gas, or if you need to get the motorcycle towed. Like other vehicles, motorcycles often have mechanical issues and need some assistance. When these are covered by your insurance, you can rest easy when something unexpected happens.

Coverage for Accessories

Some motorcycle insurance policies also include coverage for the accessories you need to use. For example, you might be able to get coverage for your bike jacket, helmet, and various other safety equipment. Some accessory coverages also include protection of work you do to your motorcycle, such as new wheels or a custom paint job. Ask the insurance company exactly what is included in the accessories section of the auto insurance policy.

Uninsured and Underinsured Coverage

Not everyone on the road has auto insurance, and the last thing you want to do is have to pay for an accident and injuries you didn't cause. It helps to make sure your motorcycle insurance policy includes uninsured and underinsured motorists coverage. If you are in a collision with another driver that doesn't have adequate insurance or no insurance at all, you still have some financial protection.

Find out more about insurance by speaking with a representative from a agency like Bear River Insurance.


12 April 2016

Auto Insurance:  Even High Risk Drivers Need It

About ten years ago, my auto insurance was cancelled. This took place after one too many accidents. I was now a high risk, and my provider was not willing to keep me on any longer. Since there was no way that I was going to get behind the wheel without coverage, I started checking out plans with high-risk insurers. Some were not all that great, but others offered benefits that were very close to my old plan. I soon found a provider who would accept my application, and I began to be a little more careful with my driving. If you are having trouble buying auto insurance, let me help. I'll tell you what to look for in a high-risk provider, and how to find the best one in your area. In no time at all, you'll be covered and ready to get back on the road again.