Motorcycle Insurance Policies
Motorcycle insurance is a type of insurance coverage that protects motorcycle owners in the event of loss caused by a collision, theft or vandalism. In order to legally drive a motorcycle on any public roadway, the owner must have liability insurance as required by state law. In addition to covering motorcycles, this type of insurance can also be used for scooters, ATVs, golf carts, snowmobiles and mopeds.
A standard motorcycle policy covers the owner for personal liability and property damage when they are riding their motorcycle. Every state requires a certain minimum amount of liability coverage. But a motorcycle insurance policy can also include additional features which help to protect the vehicle's owner from financial loss in the event of an accident. Adding comprehensive coverage to your motorcycle policy protects you in the event of damage to your vehicle caused by cracked windshields, collisions with wildlife such as deer, or damage from hail, fire, flooding or vandalism as well as theft of the bike.
You can also include other benefits in your insurance policy. These include uninsured motorcyclist coverage to protect yourself in the event the other driver has inadequate or no insurance. Medical pay coverage is important in the event your personal healthcare policy does not cover bodily injuries sustained while riding your motorcycle. You can also specialize your insurance coverage by adding such benefits to your policy as total loss replacement which replaces a bike that is totaled either for actual cash value or agreed upon value, accessory coverage to help you repair or replace all of those special customizations you have added to your motorcycle, and transport trailer coverage which can help you avoid expensive towing costs in the event you are more than 100 miles from home and your bike requires roadside assistance and cannot be driven.
Other additional features in an insurance policy for motorcycles are rental vehicle coverage which provides you with a replacement bike while your motorcycle is being repaired, along with roadside assistance coverage which pays for repairs and towing should your bike become disabled during a road trip of any length.
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