In most states, motorcycle insurance requires bikers to have insurance, so owning a motorcycle without a policy can revoke your license and give you a large fine if you get pulled over. But aside from getting motorcycle insurance because it is required, it’s best to have this type of insurance because of its coverage if you face an accident.
Here is the variety of motorcycle insurance coverage, making it an important asset for bikers.
- Motorcycle Collision Coverage
The majority of the accidents that motorcyclists experience are related to collisions. Motorcycle collision coverage helps take care of the damages your motorcycle receives if you have a collision accident with another vehicle. Your insurance provider can cover the costs of repairing the damages and replacing your motorcycle parts.
- Liability Coverage
Suppose you get involved in an accident that damages another person’s vehicle or property. In that case, this coverage of motorcycle insurance can help you with repairing or replacing the other party’s property. Other than damage to the individual’s property, liability coverage can also cover any bodily injury inflicted on the other person involved in the accident.
- Medical Payments and Personal Injury Coverage
Medical payments and personal injury coverage can allow insurance companies to cover the costs of your medical expenses and give protection for personal injury when in an accident. Without regard for who caused an accident, medical payments coverage can cover the costs of your medical bills, ensuring that you are financially protected.
- Guest Passenger Coverage
If you have a passenger with you riding your motorcycle that doesn’t have insurance coverage, that can put them at risk even though you are driving. With guest passenger coverage, you and your passenger can be covered for any costs because of an accident, such as medical bills and other treatment for their injuries.
Driving a motorcycle gives you more freedom than driving a car. That's why it's important to equip you with insurance to ensure you are well-protected while having fun. Motorcycle insurance is an essential coverage plan for bikers.
At Valencia Insurance Group, we do our best in making sure that our clients are well-protected with affordable and comprehensive policies. We make sure to go the extra mile to help you with your needs. To learn more about how we can help you, please contact our agency at (772) 344-8899 or Click Here to request a free quote. Topics and coverage discussed in this article are not guaranteed, consult with your agents to determine what your policy does and does not cover. We are more than happy to help!