{"id":270,"date":"2024-02-16T14:56:04","date_gmt":"2024-02-16T14:56:04","guid":{"rendered":"https:\/\/www.acceptanceinsurance.com\/blog\/?p=270"},"modified":"2024-03-21T17:23:39","modified_gmt":"2024-03-21T17:23:39","slug":"what-motorcycle-insurance-coverage-is-best-for-you","status":"publish","type":"post","link":"https:\/\/www.acceptanceinsurance.com\/blog\/what-motorcycle-insurance-coverage-is-best-for-you\/","title":{"rendered":"Motorcycle Insurance: What Coverage is Best for You?"},"content":{"rendered":"\n

It\u2019s time to ride! If you\u2019re a motorcyclist ready to hit the open road, you need to make sure that both yourself and your bike are fully protected with the right motorcycle insurance policy. Finding appropriate coverage can be an intimidating task that often leaves riders feeling uncertain of their options. There are many factors to consider, such as what kind of protection is necessary and how much it will cost. Don’t worry \u2014 we\u2019re here to explain all there is to know about motorcycle insurance<\/a> so you have everything needed for your own personalized plan! <\/p>\n\n\n

Overview of Different Types of Motorcycle Insurance Coverage\u00a0\u00a0<\/h3>\n\n\n

Before deciding on which policy you want, it\u2019s important to understand the different types of coverage available. Here is a quick breakdown of common motorcycle insurance coverage options: <\/p>\n\n\n

Liability Insurance\u00a0<\/h3>\n\n\n

This insurance coverage pays for damages that you are legally responsible for in an accident<\/a>, such as property damage and bodily injury. It is the most common type of motorcycle insurance and a requirement in most states, so make sure your policy has enough to meet the minimum requirements. <\/p>\n\n\n

Comprehensive\u00a0<\/h3>\n\n\n

Not every incident involves another driver or a crash. Comprehensive coverage pays for damage to your motorcycle caused by something other than a collision<\/a>. This includes events such as theft, vandalism and weather-related accidents. So, if your motorcycle is stolen or a tree branch falls on it during a storm, you are covered and able to get money for damages or replacement. <\/p>\n\n\n

Collision\u00a0<\/h3>\n\n\n

This coverage pays for damage to your motorcycle caused by a collision with another vehicle or object. This is needed if you want to be sure your motorcycle is fully covered in the event of an accident. Comprehensive and collision coverage are usually optional, but if you have a loan on the bike then it\u2019s typically required. <\/p>\n\n\n

Uninsured or Underinsured Motorist Coverage\u00a0\u00a0<\/h3>\n\n\n

In case you are hit by an uninsured or underinsured driver, this coverage will pay for your medical bills and other damages. It\u2019s a good idea to include this coverage in your policy because you can never be certain of who is around you and what kind of driver they are, it is best to cover yourself from the start. <\/p>\n\n\n

Medical Payments, No-Fault or Personal Injury Protection Coverage\u00a0<\/h3>\n\n\n

If you live in a state that operates on a no-fault insurance system, you may need to purchase additional motorcycle coverage to pay for your losses. Unlike a traditional fault-based system, each driver or rider in an accident in a no-fault state\u202fis responsible for paying for their own losses.  <\/p>\n\n\n\n

Personal injury protection coverage helps compensate for your injuries, providing funds for medical expenses such as:  <\/p>\n\n\n\n