Motorcycle insurance is very similar to auto insurance, however there are inherent risks associated with motorcycles and riding them. Additional coverages to protect against these risks may include:
Compared to cars, motorcycles are lacking in anti-theft technology. In addition, many riders add aftermarket enhancements to their bike, making them that much more valuable, therefore more attractive to thieves. Comprehensive coverage may help pay for non-collision damage to your motorcycle, including theft.
Uninsured/Underinsured Motorist Coverage
Cyclists are much more likely to be injured in an accident than automobile passengers. Uninsured Motorist Bodily Injury coverage may help pay expenses for bodily injury and/or death to you and your passengers in the event your accident is caused by an uninsured or underinsured driver.
Uninsured Motorist Property Damage may help pay for damage to your vehicle in the event your accident is caused by an uninsured or underinsured driver or a “hit and run” driver.
Personal Injury Protection
Injury severity can be much greater for cyclists than car passengers. Personal Injury coverage may help pay for injury-related loss, often including lost wages, regardless of who caused the accident.