Every activity comes with risks, especially those that involve wheels, speed, and the unpredictable factors that drivers and motorcyclists experience while on the road. Make sure you have the motorcycle insurance you need to be fully covered in the event of an accident.

When it comes to making the best decision on insurance, it is important to meet with an agent. Working with an Insurance Station agent means you will have someone to talk to who can answer your questions about the best policy, deductibles and limits for you.

Should you be purchasing uninsured and underinsured coverage in case you are in an accident caused by someone else who does not have the means to pay your expenses? Should you consider an umbrella liability policy? Do you know what kind of coverage you need if you travel with your motorcycle out of state?

Insurance can be confusing. Plans often have various limitations and exclusions, though they are not always clear. Without reviewing the policy with an experienced insurance professional, you may not know what your plan covers – and what it does not cover.

Additional Coverage

The costs of a severe wreck can quickly exceed your state’s required minimum coverage. Consider adding additional forms of insurance to a general motorcycle insurance plan.

1.   Accessories coverage: If you have done any after-market upgrades or any enhancements to the motorcycle, you may want additional coverage for these items. It is a good idea to retain all receipts and photos of any equipment or custom work.

2.   Collision coverage: If your motorcycle is damaged in an accident, collision coverage will pay for repair or replacement regardless of who was at fault for the accident.

3.   Comprehensive coverage: Also known as “other than collision,” comprehensive coverage covers any damage not caused by an accident with another vehicle, including:
• Weather-related damage, such as hail
• Criminal activity, including theft and vandalism
• Collisions with wildlife

4.   Medical payments / personal injury coverage: Pays for your medical treatment or funeral costs after an accident, regardless of who is responsible for the accident.

5.   Uninsured / underinsured motorist coverage: If an uninsured or underinsured driver causes a collision in which you are injured or your motorcycle is damaged, this policy would cover your out-of-pocket expenses.