Key Parts of Motorcycle Insurance Coverage

Taking your bike out for a spin may seem like a normal part of the routine for experienced bikers. Still, even if a motorcycle has been a part of your life for many years, certain financial precautions may be necessary. Motorcycle insurance should be considered a top priority, even for the most skilled riders. However, maintaining the right coverage can be a complicated process. With this in mind, the team at Eric Dodge Insurance Agency is happy to offer guidance.

What Types of Motorcycle Insurance Coverage Do I Need?

The first thing you should understand is that motorcycle insurance needs are unique. Even those with similar riding experience or who own the same bike may have vastly different coverage needs. Still, while the details of an appropriate policy can vary, several pieces of motorcycle insurance may be necessary regardless of your circumstances. Consider the following:

• Bodily injury liability coverage may help pay for others’ injuries and subsequent losses should you be at fault for an accident.

• Property damage liability coverage may limit your costs while being at fault for damaging someone else’s belongings, including their bike, vehicle or building.

• Collision coverage can help ensure you are able to repair, replace or restore your motorcycle following a crash.

• Comprehensive coverage may insure your bike against incidents other than collisions, such as theft, vandalism and severe weather.

• Medical payments coverage may provide aid for medical bills if you or your passengers are injured in an accident.

• Uninsured/underinsured motorist coverage may compensate you for losses if an at-fault party lacks adequate insurance.

• Gear coverage may assist you with replacement costs should your riding equipment, such as helmets, jackets and gloves, be damaged in an incident.

Learn More

Contact the team at Eric Dodge Insurance Agency today to ensure you’re properly covered. We’re ready to help you figure out and find the right policy while getting the best rates.

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.