Motorcycle insurance is for two- and three-wheeled motorcycles licensed for use on public roads. Whether your buying your first bike or have been riding for years, you owe it to yourself to ride knowing that you and your bike are fully covered by the best policy for your needs.
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