What you need to ask before buying motorcycle insurance.
When you purchase a new, sharply styled, smooth handling motorbike, motorcycle insurance is likely the furthest thing from your mind. Freedom, adventure, and the open road – that’s more like it. Even so, slowing down for a moment to consider coverage for your new ride will give you the peace of mind to explore the roads ahead.
Before you launch yourself into a policy that doesn’t fit you or your bike’s needs, consider these questions first.
What are the minimum requirements? Many states require you to carry a minimum amount of liability coverage for your motorcycle. You’ll probably want more than the minimum to stay safe on the roads, so it’s important to know what the legal requirements are.
Does liability include guest passenger liability coverage? If you cause an accident, standard liability coverage helps to cover the bodily liability expenses and property damage costs that you’re responsible for. Guest passenger liability extends such coverage to a passenger riding with you on a motorcycle. As medical care and property repair can cost thousands, such coverage is wise to obtain!
What more do I need?
Collision and comprehensive coverage help you to pay for damages to your motorcycle from an accident from an event such as fire, theft, and vandalism. Uninsured/underinsured motorist coverage protects you and your property when you’re involved in an accident with a driver that has little to no coverage.
Are custom parts covered?
Motorcycle owners spend a lot of time and money decking out their ride. Unfortunately, standard coverage may not cover all of the bells and whistles added to the bike. For these custom parts and accessories, you may want to buy optional coverage.
Is Roadside Assistance available?
It’s always advised that you opt for Roadside Assistance when possible. Typically, this covers towing to the nearest qualified repair show and other basic emergency services.