Motorcycle insurance, like car insurance, is often a combination of multiple policies that cover you and your vehicle in different ways. Liability insurance is the most basic policy motorcycle owners should get and is required by most states. If you are at fault in an accident, liability insurance will help you pay for any injuries (or Bodily Injury) or damage (Property Damage) you caused to the other parties. Insurance requirements differ by state, so make sure to check before purchasing a policy.
In addition to the minimum coverage requirements, most motorcycle owners opt to include other coverage for more extensive protection.
Full Replacement Coverage will cover the costs of a full replacement of your bike if it’s totaled and can’t be repaired.
Collision Coverage protection helps pay for repairs to your motorcycle after an accident.
Comprehensive Coverage will cover any damage to your motorcycle unrelated to a collision (for example, theft, vandalism or natural disasters).
Personal Bodily Injury Coverage (Medical Expenses) helps pay for medical care you require from an accident.
Uninsured/Underinsured Motorist Coverage is useful if another driver is at fault and lacks the insurance coverage necessary to pay for your costs.
Accessory Coverage protects upgraded accessories such as transport trailers, sidecars, and safety apparel.
Passenger (or Rider) Coverage will protect the person riding with you in the event of an accident.
Cash Benefit will provide benefits to you or your family if you are involved in a serious accident, no matter who is at fault.
Is Motorcycle Insurance required and how much do I need?
All states require basic liability insurance that covers bodily harm and property damage. Each state’s requirements vary, so you will want to check with your state before purchasing a policy.
Just because you meet the coverage requirements doesn’t mean you shouldn’t look into additional coverage options. It’s no secret that motorcycle accidents are more dangerous than car accidents. An estimated 80% of motorcycle accidents result in injury or death, and the chances of damaging your bike are high, so consider if you can afford to pay for damage to your bike or body when selecting a motorcycle insurance plan.
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