Motorcycle Insurance Coverage Options
Motorcycle Insurance in Houston
Coverage options for motorcycle insurance are similar to the standard ones you’ll find for auto insurance. In addition to liability and uninsured/underinsured motorist coverage, most insurers offer these options:
Collision: Pays out for damage to your motorcycle, minus your deductible amount. A deductible is the amount you select when you buy your policy that’s deducted from a claim check.
Comprehensive: Pays out if your motorcycle is stolen or damaged by something other than a collision with another vehicle. Animal collisions are covered. A deductible applies.
Medical payments (MedPay): Not available in all states, medical payments coverage pays for medical bills if you and your passenger are injured in an accident. Unlike personal injury protection, medical payments coverage doesn’t cover lost wages and other costs. Let’s state the obvious: Driving or riding a motorcycle comes with risks, no matter how careful you are. Medical payments coverage can come in handy if you don’t have health insurance or you don’t have enough.
Personal injury protection: Generally pays out for medical bills for injuries you, your passenger or pedestrians suffer in an accident regardless of who’s at fault. (Rules vary by state.) Although some insurers offer PIP, some states may not allow insurance companies to sell the coverage to motorcyclists because of their high rate of accidents.
Insurance companies typically offer add-on options, although some may offer one or more as part of their standard policies. For some of these, limits and deductibles apply.
Trip interruption coverage: Pays out for lodging, transportation and food if your bike is disabled in a collision far from home, usually defined in your policy as 100 miles or more.
Coverage for custom parts, equipment and accessories: In most states, insurers include some custom parts and accessories coverage with comprehensive and collision insurance. For many riders, however, customizing a bike is part of the lure of owning a motorcycle. If the chrome parts, saddlebags and personal touches you add to your bike are worth more, you can buy additional accessories coverage.
Transport trailer coverage: Many insurance companies offer coverage for trailers
Roadside assistance: Includes towing and labor at the site of your bike’s breakdown.
Source: Nerdwallet
Motorcycle Insurance in Houston
Cosecha Insurance, Life Insurance in Houston, Life Insurance Coverages in Houston, Life Insurance Discounts in Houston, Life Insurance Rates in Houston, Life Insurance Policy in Houston, Car Insurance in Houston, Car Insurance Coverages in Houston, Car Insurance Discounts in Houston, Car Insurance Rates in Houston, Car Insurance Policy in Houston, Auto Insurance in Houston, Auto Insurance Coverages in Houston. Auto Insurance Discounts in Houston. Auto Insurance Rates in Houston, Auto Insurance Policy in Houston, Home Insurance in Houston, Home Insurance Coverages in Houston, Home Insurance Discounts in Houston, Home Insurance Rates in Houston, Home Insurance Policy in Houston, Motorcycle Insurance in Houston, Homeowners Insurance in Houston, Retirement Savings in Houston, Social Security in Houston, Unexpected Loss in Houston, Disability Insurance in Houston, Insurance Requirements in Houston, Insurance Companies in Houston, Personal Auto Insurance in Houston, Business Insurance in Houston, Commercial Insurance in Houston.
