Motorcycle Insurance FAQs

What does motorcycle insurance cover?

A standard motorcycle insurance policy offers coverage for some part of the costs associated with damage to your bike. It also gives you compensation if you harm another person or their property, or any legal fees you incur due to an accident. If you are at fault in an accident, your motorcycle insurance policy will cover the cost of legal fees and liability claims.
Your policy can be customized to cover the following:
● Replacement of your bike, in the case of total loss
● Comprehensive coverage, which pays for damage or loss due to causes that are not a collision. This can include animal damage, motorcycle theft, and weather damage.
● Medical payments, in case you need to be hospitalized or require medical care.
● Loss or damage to your gear and upgrades, including custom equipment, sidecars and safety gear such as helmets or chaps.

How much motorcycle insurance is needed?

The type of bike you own and how you plan on using it will determine the amount of motorcycle insurance you need. For example, a racing bike or a super sports motorcycle are considered fast bikes and will be more expensive to insure, and you should consider adding on more liability and medical insurance. If you own a dirt bike, additional coverage is necessary also, as it can put you at a greater risk of bike damage and injury to yourself and others.
Each state has different requirements for the level of insurance needed, so make sure to contact your local DMV to get the full information of the minimum amount of insurance required.
Is motorcycle insurance necessary?
It’s imperative that you protect your bike, as well as yourself and others. It’s much easier to steal a bike than it is to steal a truck or a car, and it’s also easier to strip, rebuild and resell a stolen bike. Also, motorcycles are more dangerous to ride than cars, for various reasons:
● Bikes are smaller and therefore harder for other motorists to see.
● They maneuver very fast, which also makes them harder to spot.
● Since they operate on two wheels only, any moment of distraction is able to result in an accident.
● Motorcycles don’t have seatbelts or airbags to offer extra protection in the case of a crash.
For all the reasons stated above, it’s necessary that you get adequate coverage if you plan to use your motorcycle on the road. If you intend to ride your bike on racing tracks, either for fun or in competitions, it’s even more important that you and your bike are insured, no matter if you’re planning on racing on motocross tracks or off-road.
Is theft covered by motorcycle insurance?
Theft can be covered by your insurance, but it depends on the policy you’ve chosen. However, almost all comprehensive insurance policies will cover theft, no matter if it happens on the road, while you’re at home, or while you’re traveling. Comprehensive insurance will most likely cover anything that is stolen from your bike, such as the radio, mirrors, wheels or any other accessories.
A lower deductible means that you will pay extra for premiums, but the amount of your deductible can be determined at the time you purchase your insurance. It’s important that you keep a record of any modifications or add-ons made to your motorcycle after it’s been insured, as your bike’s value may increase, and this will change your insurance. If you have any questions, just drop us a line