Know What Type of Policy You Will Need for a Motorcycle

Motorcycle Insurance in Houston

Just like with car insurance, there are several different types of insurance for motorcycles.

Let’s review them:

Collision coverage covers both the driver of the motorcycle and the motorcycle itself during an accident. A subset of collision coverage is liability coverage, which covers any damage you cause during an accident, whether it be to someone else’s property or person. If you only bring your bike out once in awhile, liability coverage may be your best bet. It’s also generally the minimum required by law in most states.

Uninsured/underinsured motorist liability coverage is often also mandated by law since there are thousands of vehicles and motorcycles on the road with no insurance. If those drivers hit you and do not have insurance, your only option for having your expenses covered would be to sue them—unless you have this type of coverage. Passenger personal injury protection coverage is also important if you plan on having other riders join you on your bike; it’ll cover their medical expenses in the event of an accident.

Comprehensive coverage covers your vehicle—well, more comprehensively. If a tree falls on your bike, it catches on fire, or it’s stolen by a thief, you will likely be covered. If you ride your bike often or park it in a place where it’s likely to get stolen or damaged, comprehensive coverage is probably your best bet.

Custom and vintage coverage are important if you have a custom or vintage bike. Some insurers will be reluctant to cover these types of bikes because their value is hard to place.

Accessory coverage is important if you are often tinkering with your bike and need a policy that covers customizations, not just the original parts of your vehicle.

Rental reimbursement, towing and transport, and roadside assistance coverage are also important things to consider, whether as a part of your motorcycle insurance policy or through an automotive membership club.

Source: thebalance

Motorcycle Insurance in Houston.

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