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Bibby Brilling / Arden Insurance / Maypearl Insurance Blog

All You Ever Wanted to Know About Insurance

Dissecting a Motorcycle Insurance Policy

Motorcycles can be exhilarating to ride, but they can also be quite dangerous. As a result, you will want to make sure that you have enough insurance coverage for your motorcycle.

Motorcycle insurance can cover the damages to your bike and to yourself, as well as others involved with the accident. Here are a few of the things that you may want to make sure are included in your policy:

    • Collision Coverage: Covers damage dealt to motorcycle no matter whose fault it is. There is usually a deductible connected to this part of the policy.
    • Comprehensive Coverage: Covers theft, fire, hail, vandalism, glass breakage, hitting an animal, and so forth.
    • Towing/Pickup Coverage: Covers the costs associated with transporting your bike after an accident.
    • Property Damage/Injury for Others: Covers some of the medical expenses related to the injuries others sustained or repair expenses for property damage resulting from an accident you caused.
    • Uninsured/Underinsured Motorist: Covers some of the expenses if the accident was caused by someone else that was underinsured or uninsured.

      The limits that you set on these different aspects of the policy will determine how much your premium costs. While you will probably want to get the cheapest policy possible, you will not want to be uncovered either.

      You will not want to have to pay any of these expenses out of your own pocket as the damages can be quite expensive. However, it is a good idea to get several quotes as different insurance companies will offer your different prices.