About Motorcycle Insurance

Depending on your state laws, cars and motorcycles may carry the same insurance requirements to drive on the road. The most often required insurance coverages are liability and property damage. Both of these types of coverage pay the claim against the policyholder if at fault.

Personal injury and Property Damage Coverage

If you or your passenger gets hurt in an accident, personal injury coverage pays your medical bills. Due to the high cost of medical care, at least $100,000 in coverage should be secured. Property damage coverage pays for any property you destroy in the accident. If you crash into a person’s yard, property damage coverage replaces the homeowner’s broken items and pays for the yard to be repaired.

Uninsured and Underinsured Motorist Coverage

If you get hit by an uninsured motorist, your medical expenses and motorcycle repairs will not be covered unless you sue the other motorist. Underinsured motorists can cause just as many problems. The state liability requirements do not cover the cost of most new vehicles, much less bodily injury. Uninsured and underinsured motorist coverage is necessary for conscientious drivers.

Custom Coverage

Motorcycle covered can include custom paint jobs, aftermarket parts or sidecars. If your custom work is damaged in an accident, your motorcycle insurance company will pay for the work to be redone if you secure this coverage. Since motorcycle riders often switch between different bikes, insurance companies allow at least ten bikes on one policy. Passengers riding on the back or in the sidecar will have extra coverage beyond liability with most companies.