Motorcycle Insurance

Protect Yourself with Motorcycle Insurance


Insurance is a must for all motorcycle riders. No matter how much experience a rider has, accidents can happen. These accidents can cause injury and financial hardship for the rider, or damage to your motorcycle. An insurance policy ensures that the rider is covered if anything bad happens.


Why do You Need Insurance for Your Motorcycle?


A motorcycle accident can cause expensive damage to property, or to another person. If you are involved in an accident the insurance will help to pay for medical bills, property damage, etc. Without insurance, the rider may be responsible for paying for whatever damages occur. Some insurance policies will also help to provide counsel for the covered motorcycle rider if there is accident related litigation.


Who Needs Motorcycle Insurance?


Every motorcycle rider is required to have some form of insurance in most states. Even if you live in an area that does not require motorcycle insurance it is highly recommended to obtain a policy.


What Types of Insurance are Available?


Liability Coverage

Liability coverage is the minimum required by most states. This covers other people’s injuries and/or damage if you cause an accident. It does not provide any coverage for you.


Collision

This covers damage caused to your motorcycle as the result of an accident.


Comprehensive

This covers your motorcycle from theft or damage not caused by a collision.


How Does Insurance Work?


Your first responsibility is to pay your insurance bill so that you are in good standing. As long as you stay current on the payments, you are protected under their umbrella.


If you are in an accident, and you are physically able, it is your responsibility to contact the authorities and follow the proper protocols. After this, you should contact your insurance company. They will walk you through the procedures and help to ensure that everyone, including you, is properly compensated in accordance to the law.


Insurance is a type of protection for a motorcycle rider. Life is unpredictable, insurance ensures that you will be protected if something bad happens.

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