The primary purpose of motorcycle insurance is to protect against losses resulting from accidents and accident liability. Motorcycle coverage is sometimes grouped with other land-based recreational vehicles such as ATVs and scooters. In many cases, drivers must have personal motorcycle insurance in order to use their vehicles on public roads.
Minimum coverage differs from state to state, but drivers are required to buy at least some types of coverages. With the exception of a few small differences, motorcycle insurance is almost identical to automobile coverage.
Property coverage will pay or help pay for losses incurred from damage to or theft of the insurance owner’s vehicle. Property coverage typically only covers the factory parts of the owner’s motorcycle, so additional coverage may be required to compensate for the loss of added accessories.
Liability coverage will pay or help pay for legal costs to others involved in the insurance owner’s accidents. Motorcycle insurance owners should also consider buying guest passenger liability coverage if they ever drive with anyone on the backs of their bikes.
Medical coverage will pay or help pay for the insurance owner’s medical bills in the event of a vehicular injury. Motorcycles are often considered more dangerous than closed vehicles, so medical coverage may be more expensive.
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