There’s nothing that compares to riding a motorcycle down an open road. Excellence First Insurance helps you take that ride without worrying about the financial costs that could arise if your ride is unexpectedly disrupted. Our licensed insurance agents can help you find the motorcycle insurance coverage you need at competitive rates.
Types of Motorcycle Insurance Coverage
A standard motorcycle insurance policy includes four different types of coverage: liability coverage, medical payments, comprehensive and collision coverage, and uninsured or underinsured motorist coverage.
Liability coverage protects you from financial loss when your motorcycle is involved in an accident that injures someone else or damages property owned by another person. Liability coverage pays for:
• Costs to repair or replace damaged property owned by someone else
• Medical bills for someone else’s injuries
• Your legal expenses if someone else sues you for property damage or bodily injury
• Awards you are found legally responsible for when someone else sues you
This coverage pays for the medical bills of you and your passengers if you are injured in an accident. The medical payments portion of your motorcycle coverage pays for your medical bills regardless of who is at fault for the accident.
Comprehensive and Collision Coverage
Comprehensive and collision coverage pays for the costs of repairing or replacing your motorcycle if it is damaged. Collision coverage pays for damages resulting from a collision with another vehicle, structure, animal, or object. Comprehensive coverage pays for damages resulting from a non-collision related event such as fire, theft, vandalism, or a falling object.
Uninsured or Underinsured Motorist Coverage
Uninsured or underinsured motorist coverage protects you from financial loss resulting from an accident with another driver who either doesn’t have insurance or doesn’t have enough coverage to pay for your losses. Uninsured or underinsured motorist coverage can pay for the cost of repairing or replacing your motorcycle and for your medical bills and lost wages from your injuries.
Additional Motorcycle Insurance Coverage Options
There are also additional types of coverage you can add to expand the protections of your motorcycle insurance policy. Some of the most common additional motorcycle insurance coverage options include:
• Coverage for accessories and custom parts or equipment
• Total loss coverage
• Carried contents and personal belongings coverage
• Enhanced injury protection
• Roadside assistance
The licensed insurance agents at Excellence First Insurance carefully review the details of your motorcycle insurance policy to ensure you understand the coverage you have. Contact us today to have one of our licensed agents help you find the coverage you need so you can enjoy your next ride!
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