Motorcycle Insurance
Choosing the right insurance policy is much like choosing the right motorcycle. You want it to fit your needs and lifestyle, but at the same time be within your budget. Although most states require you to carry a minimum amount of liability coverage, other types of coverage are usually optional.
Collision Coverage
Collision insurance covers damage to your motorcycle if you are involved in an accident. Your insurance company pays for damages, minus your deductible, caused when you collide with another vehicle or object. Collision insurance usually covers the book value of the motorcycle before the loss occurred.
Comprehensive Coverage
Comprehensive coverage pays for damages caused by an event other than a collision, such as fire, theft, or vandalism. Like collision coverage, your insurance company will pay for damages, minus your deductible, and will cover only the book value of the motorcycle.
Keep in mind most comprehensive and collision coverages will only cover the factory standard parts on your motorcycle. If you decide to add on any optional accessories such as chrome parts, a custom paint job, trailers, or sidecars, consider additional equipment coverage.
Uninsured/Underinsured Motorist Coverage
Uninsured/Underinsured Motorist (UM/UIM) coverage covers damages to you and/or your property caused by another driver who either doesn't have insurance (uninsured) or doesn't have adequate insurance (underinsured). This coverage typically pays for medical treatment, lost wages, and other damages.
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