search
top

What Does Motorcycle Insurance Cover?

Given the fragile nature of motorcycles, having insurance coverage can be critical. According to the website of Habush Habush & Rottier S.C.®, even a minor accident can result to terrible injuries which could mean huge medical expenses on your part. A recent report by the National Highway Traffic Safety Administration (NHTSA) revealed that there were 4,586 deaths due to motorcycle crashes in 2014.

Having motorcycle insurance can help defray the cost associated with accidents. But what does it cover? Depending on which state you come from, the coverage may vary. Some policies may provide bodily injury and property damage liability. Others will include uninsured/underinsured motorist coverage while others will have personal injury protection. Let us break down each type of insurance and find out what they cover.

Liability Insurance

Liability insurance provides coverage for bodily injury and property damage and is almost required in every state. This type of insurance shoulders the medical costs and repair expenses of another person. When deciding on liability coverage, it is always a good practice to get as much protection as you can afford.

Comprehensive and Collision Coverage

If liability coverage shoulders for the driver’s expenses after a crash, collision coverage shoulders the cost of repair of your bike if you were at fault. It also shoulders the cost of damage to riding apparel and helmets.

On the other hand, comprehensive coverage provides protection to your motorcycle from theft as well as from falling debris. It can help defray costs for damages or for replacement of your motorcycle. Comprehensive and collision coverage includes a deductible which you will have to pay from your own pocket.

Total Loss Coverage

After all the damages are added up, total loss coverage will shoulder the suggested amount of a manufacturer for a current model year motorcycle of similar make and model. If your policy does not have total loss coverage, your motorcycle is covered for its current day value.

Medical Payments Coverage

Riding a motorcycle entails a lot of potential risks on your part. For this reason, you need to have sufficient amount on your policy to cover for any medical expenses especially if you do not have any health insurance.

Uninsured/Underinsured Motorist Coverage

Due to its small size, motorcycles can also be difficult to spot on the road. So you can imagine what will happen when an uninsured or underinsured driver collides with you at an intersection. This is where uninsured/underinsured motorist coverage comes in. It will shoulder your expenses when a property is damaged or you get injured.

Leave a Reply

Your email address will not be published. Required fields are marked *

top