Just as car insurance covers your vehicle in the event of an accident, motorcycle insurance provides protection for your motorcycle. 

There are a variety of coverage options to choose from, but most motorcycle insurance policies typically cover damages to your motorcycle, as well as any property damage or injuries that you may cause to others while riding. 

Some motorcycle insurance policies also include coverage for roadside assistance and trip interruption. 

When choosing a motorcycle insurance policy, it is important to consider the value of your motorcycle, the amount of coverage you need, and your budget. 

By doing some research and shopping around, you can find a motorcycle insurance policy that meets your needs and gives you peace of mind while out on the open road.

Motorcycle liability insurance is a type of coverage that motorcycle owners are required to have in order to operate their motorcycle on public roads. 

This type of insurance protects motorcycle owners from financial liability if they are involved in an accident that causes property damage or bodily injury to another person. 

Motorcycle liability insurance is typically sold as part of a package of insurance coverage that also includes collision and comprehensive coverage. 

While motorcycle liability insurance is not required in all states, it is generally a good idea to purchase this type of coverage to protect yourself financially in the event of an accident. 

In most states, riders are required by law to carry two types of motorcycle liability insurance: bodily injury liability coverage and personal damage liability coverage.

Motorcycle bodily injury liability insurance is a type of insurance that helps to cover the costs of injuries that you may cause to another person while operating your motorcycle. 

If you are found to be at fault in an accident, this insurance can help to pay for the other person’s medical bills, lost wages, and pain and suffering. 

In some cases, it can also help to cover your legal expenses. 

While motorcycle bodily injury liability insurance is not required in all states, it is a good idea to consider purchasing this coverage if you plan on operating a motorcycle. 

By doing so, you can help to protect yourself financially in the event that you cause an accident. 

It is important to note that this coverage does not pay for your own medical bills if you are injured.

Some motorcycle insurance policies include an additional coverage called guest passenger liability coverage, which covers you in the event that a passenger is injured while riding on your motorcycle. 

In some states, guest passenger liability coverage is required as part of the motorcycle liability insurance policy. 

While some insurers will automatically include guest passenger liability coverage on standard policies, the ones who don’t will usually offer it as an optional coverage you can add to your policy. 

Motorcycle guest passenger liability insurance is not mandatory in all states, but it is a good idea to have if you frequently ride with passengers on your motorcycle. 

If you are involved in an accident while riding with a passenger, the passenger’s medical bills and other expenses can quickly add up. 

Having motorcycle guest passenger liability insurance will ensure that you are able to cover these costs without putting yourself in financial jeopardy.

Motorcycle property damage liability insurance protects you from having to pay for repairs or replacement costs if your motorcycle damages another person’s property. 

This could include their vehicle, home, or other personal belongings. 

Property damage liability insurance may also cover the cost of any legal fees associated with the claim if the policyholder is sued for property damage. 

Keep in mind that this coverage does not pay for repairs to your own bike.

While there are some types of motorcycle insurance coverage that are required by law, there are also optional coverages that you may want to consider. 

For example, collision and comprehensive coverage can help to protect your motorcycle in the event of an accident or damage from a non-accidental event, such as theft or vandalism. 

If you have a loan or lease on your motorcycle, you may be required to carry these coverages. 

Additionally, you may want to consider medical payments coverage, which can help to cover the cost of medical treatment for you and your passengers in the event of an accident. 

Ultimately, the decision of which optional coverages to purchase will depend on your individual needs and the amount of risk you are comfortable with.

Motorcycle medical payments coverage is extra insurance that motorcycle riders can purchase to help cover their medical expenses if they are injured in an accident. 

It can help cover things like hospital bills, surgery, and ambulance fees. 

While motorcycle medical payments coverage is not required by law, it can be a wise investment for any rider. 

Accidents can happen at any time, and having this extra coverage can give you peace of mind knowing that you will be taken care of financially if something happens to you while riding your motorcycle.

Motorcycle personal injury protection, or motorcycle PIP, is similar to medical payments coverage, but covers a wider array of costs caused by an injury. 

Motorcycle PIP is a type of insurance coverage that helps to pay for medical expenses, lost wages, and child care if you are injured in a motorcycle accident. 

In some cases, motorcycle PIP may also cover funeral expenses. 

In most states, motorcycle personal injury protection is not required by law, but it is an important coverage to consider if you ride a motorcycle. 

Keep in mind that motorcycle PIP only covers costs associated with an accident up to a set limit. 

If you are considering purchasing motorcycle PIP, be sure to speak with your insurance agent to learn more about the coverage and how it can protect you in the event of an accident.

Motorcycle collision coverage is a type of insurance that covers damages to your motorcycle resulting from a collision with another vehicle or object. 

This coverage is optional in most states, but it is required in some. 

If you finance your motorcycle, your lender may also require you to carry this coverage. 

Motorcycle collision coverage can help pay for repairs to your motorcycle, or it can reimburse you for the value of your motorcycle if it is totaled in a collision. 

This coverage typically has a deductible, which is the amount you will have to pay out of pocket before your insurance company pays for any damages. 

When shopping for motorcycle insurance, be sure to ask about motorcycle collision coverage and whether it is right for you.

Motorcycle comprehensive coverage is insurance that motorcycle riders can purchase to financially protect themselves in the event their motorcycle is damaged in an accident that is not their fault. 

Motorcycle comprehensive coverage typically covers damages to your motorcycle that are caused by events such as vandalism, theft, weather damage, or hitting an animal. 

If you have motorcycle comprehensive coverage and your motorcycle is damaged in an accident that is not your fault, your motorcycle insurance policy will pay to repair or replace your motorcycle. 

While motorcycle comprehensive coverage is not required by law, it can provide valuable protection for motorcycle riders.

Motorcycle uninsured/underinsured motorist insurance is a specialized insurance policy that protects motorcycle riders in the event that they are hit by a driver who does not have insurance or does not have enough insurance to cover the damages. 

This type of coverage will usually pay for medical expenses, lost wages, and various other damages that a policyholder might sustain. 

Motorcycle uninsured/underinsured motorist insurance can help to protect motorcycle riders from financial ruin in the event of an accident.

Motorcycle total loss coverage is a type of insurance coverage that pays out if your motorcycle is totaled in an accident. 

With this coverage, the insurer will remit a payment to you that is equal to the suggested retail value of your bike, which you can use to replace your motorcycle. 

Keep in mind that you will still have to pay a deductible. 

This type of coverage is important to have if you have a loan or lease on your motorcycle, as it will help to pay off the balance of the loan or lease. 

Before purchasing motorcycle total loss coverage, be sure to shop around and compare rates from different insurers to find the best deal.

Motorcycle contents and personal belongings coverage protects the personal possessions that you carry while you ride your bike.

 This type of coverage can reimburse you for the cost of repairing or replacing damaged motorcycle gear, such as helmets and riding apparel or personal items like your cell phone and sunglasses. 

It can also reimburse you for the cost of replacing stolen items, up to a specified limit. In order to receive reimbursement, you will need to file a claim with your motorcycle insurance company and provide documentation of the damage or theft, such as receipts or police reports. 

If you have Contents and Personal Belongings Coverage, be sure to familiarize yourself with the terms and conditions so that you know what is covered and what is not.

Motorcycle roadside assistance and towing insurance can provide motorcycle riders with a sense of security while out on the road. 

This type of insurance can cover the cost of motorcycle towing in the event of a breakdown. 

Motorcycle roadside assistance and towing insurance can also provide riders with access to 24-hour roadside assistance, which can help in the event of a flat tire, dead battery, or mechanical breakdown. 

Some policies will also cover delivery of fuel, water, or oil if needed. 

For motorcycle riders who frequently travel, motorcycle roadside assistance and towing insurance can be an essential part of their overall travel plans.

Motorcycle rental reimbursement coverage is an add-on to your motorcycle insurance policy that covers the cost of renting a motorcycle while yours is being repaired after an accident. 

This type of coverage is particularly useful if you rely on your motorcycle for transportation to work or school. 

Most motorcycle rental reimbursement coverage plans have a maximum daily limit and a maximum overall limit, so it’s important to read the fine print before you purchase a policy.

Motorcycle lease/loan gap coverage is an insurance policy that covers the difference between the motorcycle’s actual value and what is still owed on the motorcycle lease or loan. 

If the motorcycle is totaled in an accident or stolen, motorcycle lease/loan gap coverage pays the difference. 

This coverage is optional, but it can be valuable if you have a motorcycle lease or loan. 

Without motorcycle lease/loan gap coverage, you would be responsible for paying the difference between the motorcycle’s actual value and what is still owed on the motorcycle lease or loan. 

If you have a motorcycle lease or loan, ask your insurance agent about motorcycle lease/loan gap coverage. 

You may be glad you did.

Most motorcycle insurance policies will cover the motorcycle itself, but what about all of the added equipment that comes with it? 

That’s where motorcycle added equipment coverage comes in. 

This type of coverage can help to protect the motorcycle’s accessories, such as the stereo system, custom seats, or saddlebags. 

It can also provide coverage for motorcycle parts that are not permanently attached to the bike, such as a trailer or sidecar. 

In some cases, motorcycle added equipment coverage may even extend to items that are not traditionally considered to be part of the motorcycle, such as a GPS system. 

Whether you have a few hundred dollars worth of added equipment or a few thousand, it’s important to make sure that it is properly protected in case of an accident or theft. 

Motorcycle added equipment coverage can give you peace of mind knowing that your investment is safe.

Whether or not motorcycle insurance covers damage if you drop your motorcycle depends on the type of insurance you have. 

If you have comprehensive motorcycle insurance, then you should be covered for any damage that happens to your motorcycle, regardless of how it happened. 

However, if you only have liability motorcycle insurance, then you will only be covered for damage that you cause to someone else or their property. 

So, if you drop your motorcycle and it is damaged, you would have to pay for the repairs yourself unless you have comprehensive coverage.

Consequently, it is important to understand the terms of your motorcycle insurance policy before you ride so that you know what kinds of damages are covered.

A motorcycle insurance deductible is the amount of money that you are required to pay out-of-pocket in the event of a motorcycle accident before your motorcycle insurance policy will cover the remaining costs. 

The motorcycle insurance deductible is typically a set dollar amount, and it may vary depending on the particulars of your policy. 

In some cases, you may even have the option to choose your own motorcycle insurance deductible. 

However, it’s important to keep in mind that the lower your motorcycle insurance deductible is, the higher your motorcycle insurance premiums will be. 

As such, it’s important to strike a balance between choosing an affordable motorcycle insurance deductible and selecting a deductible that you’re comfortable with in the event that you do need to make a claim.

Motorcycle insurance coverage limit is the maximum amount of money your insurance company will pay for damages or injuries resulting from a motorcycle accident. 

Coverage limits are typically expressed as a per-person limit and a per-accident limit. 

For example, if you have a per-person limit of $50,000 and a $100,000 per-accident limit, your insurance company will pay up to $50,000 for each person injured in an accident involving your motorcycle, up to a maximum of $100,000.

If there are more than two people injured in the accident, your insurance company will only pay up to $100,000 total. 

Motorcycle insurance coverage limits vary by state and by insurer, so it’s important to shop around and compare rates before you purchase a policy. 

In some states, insurers are required to offer minimum coverage limits, while in others, coverage limits are set by the insurers themselves. 

Be sure to understand the coverage limits of any policy you’re considering before you buy it.

Motorcycle insurance is designed to protect riders in the event of an accident, but it does have its limits as to what it covers. 

Most policies will not cover damage that occurs as a result of racing or stunt riding. 

If you plan to ride your motorcycle competitively on a track, you should first ask your insurance provider if that is covered in your current policy. 

If not, we strongly suggest you purchase some type of temporary coverage to protect you and your bike while competitively riding.

Most motorcycle insurance policies also do not cover commercial use of your bike. 

For example, if you use your motorcycle to make deliveries as a courier, then your policy may not cover you if you get in an accident while working. 

If you regularly use your bike for work purposes, then we recommend getting a commercial insurance policy.

Lastly, motorcycle insurance does not cover any damages or injuries caused by an accident while the rider is under the influence of alcohol or drugs.

In order to get the most out of your motorcycle insurance, it is important to understand the terms of your policy. 

For example, many policies have a deductible, which is the amount you will need to pay out of pocket before your insurance company will begin to cover the costs of an accident.

Additionally, many motorcycle insurance policies have limits on the amount they will pay out for each type of coverage. 

It is important to be aware of these limits so that you can make sure you are adequately protected in the event of an accident. 

By understanding the terms of your motorcycle insurance policy, you can be sure that you are getting the coverage you need to protect yourself and your motorcycle. 

Be sure to ask your motorcycle insurance agent about all of these things before you purchase a policy so that you can be sure you are getting the coverage you need.