Finding The Right Coverage Options For Your Motorcycle Insurance

Motorcycle Insurance Coverage Options

As the mercury in your thermometer continues to rise, it is the perfect time to pull your motorcycle out of storage to make sure that it is ready to hit the road. Before you head out on your first trip of the season, it is important to make sure that you are protected with the right motorcycle insurance policy. Keep these coverage options in mind so that you can help to provide the right amount of coverage for your bike.

  • Bodily injury liability coverage – if you are found to be at fault for an accident, bodily injury liability will pay for the cost of medical bills and lost wages of anyone else who was injured in the accident.
  • Medical payments – if you or your passenger were injured during an accident, medical payments coverage will pay for necessary medical expenses after the accident.
  • Property damage liability coverage – if you damage another person during an accident that you cause, property damage liability will cover the cost of repairs.
  • Personal injury protection – after an accident, personal injury protection will reimburse you for any costs that are associated with the accident, including lost income, medical bills, childcare, and funeral expenses.
  • Collision coverage – any damages that are done to your motorcycle during an accident will be covered by your collision coverage.
  • Comprehensive coverage – sometimes known as “other than collision coverage,” comprehensive coverage will pay for any damages to your bike that are the result of an incident other than an accident, such as fire or theft.
  • Additional equipment – typical coverage options will only provide coverage for a stock bike. If you have added on any after-market products, additional equipment coverage will cover the extra cost.

For all of your motorcycle insurance needs and to ensure that you have the right amount of protection for your bike this spring, contact The Insurance Shop in White Bear Lake, Minnesota.