Motorcycle Insurance Basics 

Motorcycle insurance is designed to cover those who drive or own two-wheeled vehicles. Here are a few key things riders should know before hitting the road.

Liability Coverage is the Legal Starting Point

In most states, liability coverage is required to register and legally ride a motorcycle. This coverage may help cover third-party medical bills or repair costs if you’re responsible for injuring someone or damaging their property in an accident.

Minimum requirements vary by state, but many riders choose to carry higher limits for added coverage, especially since medical or legal costs can escalate quickly after a crash.

Insuring Your Bike

While liability coverage focuses on the other party, you’ll likely want insurance for your motorcycle as well. Collision coverage may help with repair or replacement costs if your bike is damaged in a crash, regardless of fault. Comprehensive insurance can help cover non-collision events such as theft, fire or vandalism.

Medical payments coverage coverage can also be useful, especially since motorcycle accidents often result in more serious injuries. These coverages may assist with your accident-related medical bills, regardless of fault.

Customizations and Equipment

If your motorcycle has custom parts or aftermarket upgrades, ask your agent whether they’re fully covered. Standard policies may have limits on how much they pay for custom equipment unless it’s specifically listed.

Some riders also add coverage for riding gear, roadside assistance or trip interruption, depending on how they plan to use their motorcycle.

Learn More

Above All Insurance can help first-time buyers explore motorcycle coverage that matches their bike, budget and riding habits. Contact us at our office today to discuss your options and get a quote.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.