What Is Covered Under Motorcycle Insurance?

Motorcycle insurance can be essential for protecting riders from financial loss. Like auto insurance, it offers a range of coverage options tailored to the unique risks motorcyclists face. Understanding what’s typically covered can help riders choose the right policy for their needs.

Motorcycle Insurance Coverage

Motorcycle insurance typically includes the following coverage options:

• Liability coverage is the most fundamental and is often mandated by law. It consists of two components:

1. Bodily injury liability can help cover medical costs and legal expenses if you cause injury to another person in an accident.

1. Property damage liability can help cover the damages you cause to a third party’s property, such as their vehicle or other structures.

• Collision coverage can assist with the costs related to repairing or replacing your motorcycle if it’s damaged in an accident, no matter who is at fault.

• Comprehensive coverage can help cover noncollision-related incidents like theft, vandalism, fire or weather damage. It’s especially valuable for high-end or custom bikes.

• Uninsured/underinsured motorist coverage can offer financial protection if you’re involved in an accident with a driver who lacks sufficient insurance. It can help cover medical expenses and, in some cases, the cost of repairing your motorcycle.

• Medical payments (MedPay) coverage can help pay for medical fees for you and your passenger.

Riders can also enhance their policies with extras like roadside assistance, trip interruption coverage, custom parts and equipment coverage and total loss replacement.

Learn More

For motorcycle insurance near you, contact Taylor-Moore Agency.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.