Motorcycles come in all shapes and sizes. Why would anyone settle for anything less than customized Motorcycle Insurance?
Motorcycle insurance is a policy for motorcycle riders legally required for anyone wishing to ride a motorcycle. Common sense, right? However, some people assume that if they have an Auto insurance policy, they do not need Motorcycle insurance, and that’s not the case.
Under California law, if the driver of a vehicle or a motorcycle does not have insurance at the time of the accident, that driver forfeits most of their injury claims. Imagine riding your bike and stopping at the traffic light, but the car behind you doesn’t, slamming into you and causing you significant injuries you may not recover from. It’s the other driver’s fault, you are injured and have tons of medical bills, and you may not even be able to go against the driver at fault simply because you didn’t have any insurance and were riding your bike illegally.
Motorcycle Insurance Coverage Options
Motorcycle Insurance has similar coverage options to Auto Insurance:
- Bodily Injury and Property Damage Liability
- Uninsured Motorist
- Medical Payments
- Comprehensive Coverage
- Collision Coverage
- Roadside Assistance
- And there might be some other valuable coverages
Bodily Injury And Property Damage Liability
Bodily Injury and Property Damage Liability is one of the most important coverages in insurance because it’s the amount of protection you buy for injuries and property damages you may cause to others in the event of an accident. Make sure the limits are high enough so that you don’t end up paying thousands of dollars out of your own pocket for the damages you may cause to others.
Uninsured Motorist Protection (UMBI) will cover you and the passengers of your bike up to the limits you purchased in case someone without insurance hits you.
Medical payments will cover medical expenses to you and your passengers regardless of fault.
Comprehensive coverage will pay for loss to your bike caused by something other than Collision, such as theft, vandalism, fire, and hitting an animal.
Collision coverage will pay for damages to your motorcycle if you collide with another object (bike, car, wall, etc.)
You should consider adding Roadside Assistance to your policy in case you need some help on the road, such as towing, flat tire, and running out of gas.
These are the primary coverages of Motorcycle insurance. Buy as high limits as possible. In addition, if you ride a bike, make sure you have a solid Health insurance plan, and Life insurance is advised because no matter how great of a biker you are, it is super dangerous. Unlike cars, bikers have no metal shell around them, so accidents are often devastating and life-threatening.
Ride safely, and do not skim on your Motorcycle insurance.
Contact us today for a free quote or consultation.