page loader

Motorcycle Insurance

The Importance of Motorcycle Insurance


In the vast majority of cases, if you drive any kind of motorized vehicle, you will need to carry insurance. This is no less true for riding a motorcycle. Previous to hitting the road on your two-wheeled steed, you will need to understand the importance of good motorcycle insurance.

What is it?

When you operate a motorcycle, you will be mandated to purchase some kind of an insurance policy that is specifically tailored to motorcycles. When you get in touch with your insurance provider, you will need to communicate what kind of motorcycle you have in order to begin the process of obtaining the necessary coverage.

Who benefits?

Good insurance for motorcycles is vital for all who are of driving age who have a motorcycle and a specialized license for motorcycles. No matter if you’re a guy or a gal, a youth or a grand daddy rider, you will need to acquire a policy if you intend to hit the open highway.

How it works

Just like you would typically carry insurance for your car or truck, insurance for motorcycles functions similarly. When you are ready to buy your coverage, you simply provide your insurance company with information about your motorcycle, such as the VIN (or vehicle identification number) and then you specify the level of coverage you desire and enable the coverage by paying your first premium. As long as you continue to pay your premiums, keep your license in good standing and your registration current as well, you will be riding the highways and byways in confidence, knowing that you have the proper protection.

Different kinds of coverage available

Generally, one has three choices available for coverage for a motorcycle. There is bodily injury liability coverage that is normally mandated by law and is that which provides protection for you and others involved in an accident, should you be at fault. Collision coverage gives you financial protection should you be involved in a collision with another vehicle for the repair or replacement for your bike, regardless of fault. Comprehensive physical damage coverage provides you with protection for your motorcycle from just about anything other than collision-caused damage. This would include fire damage, severe storm damage, theft, dropped objects, vandalism, and animal-caused damage.

Big Benefits

When you carry insurance on your motor bike, you will be able to avoid any penalties that the law might otherwise inflict upon you. And, of course, you will be the beneficiary of financial assistance should you be involved in any kind of accident or some other mishap. Bottom line is that you are safeguarded from most events that can, without insurance protection, result in you having to pay out-of-pocket major expenses.