Motorcycle Insurance: What kind of coverage should I get?

Choosing the right motorcycle insurance is just as important as choosing the right coverage for your car, house or body. There are a variety of provisions and types of coverage to choose from. The ideal coverage varies on cost and security, depending on each motorcyclist's budget and habits. There are hundreds of motorcycle insurance providers across the nation; some are local, others nation-wide. This article will describe a variety of provisions and coverage options, as well as the situations they do, or don't, cover.

Property Damage Liability and Bodily Injury Coverage

This policy covers damage, to other persons and/or property, which result from an accident that you are at fault for. This does not always cover passengers riding in your car. Be sure to ask each provider about guest passengers when you are shopping for your motorcycle insurance policy.

Comprehensive Coverage & Collision Provisions

Regardless of who is at fault, Comprehensive and Collision pays to repair your motorcycle if it is damaged, or replace it if stolen. This type of coverage often involves a deductible, which varies based on provider and policy. Collision policies focus on damage and costs incurred from accidents resulting from the operation of your motorcycle. Comprehensive policies extend to coverage of damages caused by weather, vandalism or fire.

Uninsured Motorist Coverage

This policy is important to have, regardless of the vehicle. An accident with an uninsured motorist, even if you are not at fault, can incur thousands of dollars in expenses, which you are responsible for. Uninsured Motorist coverage pays for expenses resulting from an accident involving an uninsured motorist.

Roadside Assistance Coverage

Including a Roadside Assistance provision in your motorcycle insurance coverage policy can pay off in the long run. This type of coverage comes to your aid in the event of a flat tire, dead battery or other roadside breakdown. Your insurance provider will have your motorcycle towed to a repair facility, and often pays the costs of transportation. This provision might be included in an insurance provider's Comprehensive plan.

Shopping for Motorcycle Insurance

No matter what type of insurance you want to buy, always be sure to shop around for the best coverage and price. There are dozens of providers to choose from, each with a different rate, reputation and coverage options. Research your choices carefully to ensure you make the best decision for your specific needs when you shop for motorcycle insurance.