Motorcycle Insurance

Learn about Motorcycle Insurance


This type of insurance protection, similar to typical car insurance, has two aspects: One part offers financial protection should you, the motorcyclist, be involved in some kind of an accident. It will pay out for your costs should you be injured and also handle any property damage for which you are deemed responsible. The second component protects your bike should an accident occur, regardless of fault or in the case of theft or even vandalism. Depending on the type of coverage one purchases, the insurance company will compensate for the total or partial amount of the damages sustained.
It is important to remember that one’s auto insurance coverage will not apply to a motorcycle. Many erroneously believe that their motorbike is covered under their standard auto insurance plan and this just plain wrong. One needs a separate plan for his or her motorbike.

Who Benefits?

This kind of insurance coverage is engineered for owners of motorcycles. All who own and ride a motorcycle are highly encouraged and, often, mandated to carry this type of insurance to cover themselves, their motorbike and others too.

Kinds of Coverage

The first type of coverage for motorcycles, known as liability coverage, protects the policyholder should he or she be determined to be at fault for an accident. In this case, liability is what pays for damages to another individual (physical, bodily damage) or property (such as damage to the other vehicle or other property, if the rider is deemed responsible.
The second type is collision coverage. This kind of protection compensates for the costs of repair or replacement of your motorcycle, regardless of fault. Should even the other driver be determined to be at fault, the insurance provider will normally pay to replace or repair the covered bike to get you back on the road fast.
The third type of coverage is known as comprehensive. This is what compensates a policyholder for losses to a motorcycle other than from a road accident. This would include such things as vandalism theft, severe weather and other forms of naturally destructive events.

Huge Benefits

Arguably the biggest benefit in purchasing good motorcycle insurance is the relief in knowing that you are fully financially protected. This coverage protects you, your motorbike and other parties should the unexpected ever happen. Being un-insured means that you are more vulnerable and, should the worst case occur, it can leave you responsible for many expenses. The coverage is relatively inexpensive and most insurance companies allow the policyholder pay premiums monthly, bi-annually or yearly.

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