What Does Motorcycle Insurance Cover?
Motorcycles generally have the same coverage categories as auto insurance; bodily injury and property damage liability cover you in the event of an at-fault accident; comprehensive and collision coverage for motorcycles will help you repair or replace a damaged or stolen bike. But not all companies cover the same risks in the their policy as a standard coverage. You need to know what you want and what you need and discuss various options with your insurance agent. Typically, the following can be covered under a motorcycle policy.
- Bodily injury to someone else or damage to someone else's property for which you are legally responsible while riding your motorcycle
- Bodily injury to yourself because of an accident with an uninsured motorist
- Damage to your motorcycle caused by an accident
- Theft, fire, vandalism, and other losses — even while your motorcycle is in storage for the winter
- Custom motorcycle work, such as paint or upgraded components
- Attached side cars
- Emergency roadside expenses
- Damage to protective gear
- Trip interruption expenses