What Does Motorcycle Insurance Cover?

Do you know that you can get insurance to cover your motorcycle as well? Indeed, vehicle insurance goes beyond just cars but also extends to two-wheelers. Therefore, buying motorcycle insurance is a good option if you frequently work with your motorcycle.

You need to know what it covers when you plan to buy motorcycle insurance. Here are some of the factors a motorcycle insurance covers:

Collision coverage

After deducting your deductible, it reimburses you for damage to your motorcycle. A deductible is an amount deducted from a claim check that you specify when purchasing insurance.

Medical Coverage

Medical payments coverage pays for medical bills if you and your passenger injure in an accident. Unlike personal injury protection, medical payments coverage does not cover lost wages or other expenditures.

First and foremost, let’s state the obvious – there are risks when driving or riding a motorcycle. There are tendencies for accidents no matter how cautious you are. Medical payments coverage might help if you don’t have health insurance or don’t have enough.

Sadly, this coverage is not available in all states.

Personal Injury Protection (PIP)

This coverage is just like the former with minor changes. Regardless of who is at fault, it covers medical expenses for injuries you, your passenger, or pedestrians experience in collisions. 

The state laws for PIP vary. Although some insurers offer PIP, some states may prevent insurers from selling the coverage to motorcycle riders. This is a result of their high accident rates.

Comprehensive Coverage

This coverage is overall for anything asides from collision. It covers thefts and other damages.

Custom Parts and Accessories Coverage

Part of the appeal of owning a motorcycle for many riders, though, is the chance to customize it. If the chrome components and touches you add to your bike are worth more, you can get additional accessory coverage.