Taking a motorcycle out on the open road for a day of adventure, alone or with friends, is like nothing else. Motorcycling is always dangerous, whether you're going on a road trip on a touring bike or just zipping around town on a scooter. If you have an accident while riding, motorcycle insurance can help protect you and other people. A motorcycle policy has many of the same types of coverage as an auto policy (Liability, Collision, Comprehensive, etc). But you should also think about the following coverages that are unique to motorcycle insurance:
Accessories coverage is meant to protect any custom parts and equipment that either the dealer or the owner adds to the bike. When they buy a used motorcycle, many riders can't tell the difference between a stock part and a customized part. So many insurance companies give free Accessory coverage up to a certain amount (usually around $3,000) when you buy Comprehensive and/or Collision coverage. Then, you can buy more coverage for your accessories, which usually has a maximum limit of $30,000.
Roadside Assistance coverage gives you the peace of mind that if your bike breaks down, help is just a phone call away. Most insurance companies will cover this if your motorcycle breaks down because of a mechanical problem or because you were in an accident. Roadside Assistance can help you get gas, jump-start a dead battery, or tow your car to the nearest licensed repair shop.
Uninsured Motorist coverage, also called UM/UIM coverage, pays for your injuries if the person who caused the accident doesn't have insurance or doesn't have enough insurance to cover your medical costs. Most of the time, this coverage is expensive for motorcyclists because they can get hurt badly and have to pay a lot for their medical care. But with this coverage, you won't have to pay for those bills on your own.
When I ride a motorcycle, do I have to wear a helmet?
Helmet laws vary from state to state. But even in states where it's not required, helmets are highly recommended because they have been shown to make injuries from motorcycle accidents much less bad. This is true whether you are on a scooter or a sport bike.
Is Motorcycle Insurance Expensive?
How much you pay for motorcycle insurance depends on a lot of different things, like where you live, your driving record, your age, whether or not you're married, what kind of motorcycle you have, whether or not you own a home, and even your credit score. The best way to find out how much your premium will be is to ask a licensed agent in our office to give you quotes from some of the best insurance companies.
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