Drivers always hear that they are required to carry at least liability insurance before they are street legal. This same concept applies to motorcycle drivers. Before legally taking the road on your bike, you must be insured.
Motorcycle coverage options work much like passenger automobile insurance coverage options. There are varying levels of coverage, each of which provides varying levels of protection for you when you are in an accident.
The minimum motorcycle insurance is liability insurance. This covers individuals against medical expenses and property damage, such as auto repairs, when you collide with their vehicles. As in auto insurance, this is the most basic form of coverage.
The next level would be insurance that covers a motorcycle driver when he or she is at fault in an accident. There are two levels in this category. One level will cover the at-fault biker’s bike repair costs while the other will cover the biker’s repair and medical expenses.
Within these two basic insurance types, individuals may gain coverage for a number of other conditions. For instance, individuals can carry coverage that protects their financial interests when they are in accidents in which the at-fault driver in uninsured.
Other individuals may chose to carry coverage that protects them against vandalism, theft, and weather damage caused by hail and other elements.
As with any form of insurance, the same level of coverage from one provider may be substantially less with another provider. To help cut down the time it takes to get quotes, individuals can visit an insurance price aggregation website, which quickly and easily provides an individual with quotes from a variety of insurance providers.
