Motorcycle Insurance

Understanding Motorcycle Insurance


Good motorcycle insurance is engineered to protect the motorcyclist from the many of risks inherent when sharing the road with other vehicles. In the same way that auto insurance works, so does motorcycle coverage also functions. As its title suggests, this kind of a policy is tailored for motorcyclists, whether one’s bike is utilized daily for work, occasionally for pleasure, or for that weekend trip with friends up the coast.

How it Functions

One basically chooses the type of insurance coverage he or she desires. Each kind of coverage will have different premium rates depending on the level of the coverage. The more comprehensive the insurance coverage may be, the higher the premium payments will be. However, opting for a higher deductible can significantly lower the premium payment. Usually, premiums for annual coverage are paid either by providing the entire amount upfront, (discounts are often provided in this case), or by paying monthly or semi annually. If one is involved in an accident, he or she may file a claim in a timely manner and then, once it is investigated and payment authorized, the policyholder can receive compensation for the covered losses.

Kinds of Coverage

All states require some level and type of coverage. It’s pretty universal that the rider will be mandated to carry liability for property damage and bodily injury. Additionally one can acquire collision protection, which pays for a new motorcycle if yours is stolen or destroyed in an accident. It also can pay for parts and repairs and for medical or liability costs to other people involved in the accident, if you’re the one at fault. There’s comprehensive coverage that pays for damages resulting from other issues besides collision (examples include theft, body damage and vandalism). There’s personal injury coverage, which pays out for costs arising from injuries the rider may have had during the accident, medical coverage that compensates for treatment resulting from an accident and the medical costs of any passengers, and there’s towing and roadside assistance that helps with roadside assistance, such as tire changes, battery recharges, windshield repair or towing to a mechanic.


There are many reasons for obtaining good insurance for a motorcycle. First of all, it’s mandated by the state so that one can ride. Secondly, it can protect one in the event some covered loss occurs so he or she will not need to pay out-of-pocket.
One is well advised to obtain the proper coverage for both the circumstances and the limitations of one’s budget. Enlisting the help of an insurance professional can go a long way in protecting one’s investment and the freedom to ride with peace of mind.