Motorcycle Insurance

Six Questions to Ask About Motorcycle Insurance

Motorcycle insurance is a must for motorcyclists. A motorcycle doesn’t offer the same protection as most other vehicles. And it’s easy for a motorcycle to get overlooked by other drivers. When a motorcycle gets into an accident, it’s more likely to be serious. This is why it’s important to have good motorcycle insurance. Here are some questions to ask when searching for a policy.

1. Does the Policy Include Liability Coverage?
Liability pays for personal injuries or property damage that you cause during an accident. It’s important because it keeps you from paying huge expenses out of pocket.

2. Can I Get Uninsured Motorist Coverage?
Uninsured motorist coverage pays for your injuries caused by an uninsured or underinsured driver. It covers things such as medical bills, treatment, and loss wages. It may or may not cover property damage.

3. What Does Collision Coverage Include?
Collision pays for damages to your bike when its damaged by another vehicle. If the bike is a loss, your insurer will determine how much reimbursement you should receive.

4. How Does Comprehensive Coverage Work?
Comprehensive covers your motorcycle following events such as vandalism, theft, or fire. In short, it covers damages not caused during a collision.

5. Can I Get Coverage for Custom Parts?
Some policies only cover factory parts that came with the motorcycle. You have to specifically ask about coverage for customized parts.

6. Can I Get a Discount for When the Motorcycle is in Storage?
Some motorcyclists don’t ride during the winter months. If that’s you, then inquire about having your coverage temporarily suspended. You can then have the policy reinstated when you’re on the road again. “