Motorcycle Insurance 101: Understanding Your Coverage [infographic]

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When you buy a car, you’re required to get car insurance. Similarly, when you purchase a motorcycle, you’ll need to get motorcycle insurance, too. If you’re not sure where to begin your search for coverage, our team at The Catawba River Insurance Group is here to help.

Motorcycle Insurance 101: Understanding Your Coverage

Our agents have extensive experience in the insurance industry, and we can help you find the ideal motorcycle insurance policy for your needs. In this article, we’ll share some key facts you should know about motorcycle insurance and what it covers.

  • Collision – Motorcycle insurance typically provides coverage for damage caused by collisions. If you hit something or someone else collides with you while on your motorcycle, then your collision coverage will help cover the costs of repairs.
  • Comprehensive – Comprehensive motorcycle insurance coverage pays out in situations where your motorcycle is stolen or damaged by something other than a collision. For example, this coverage would apply if your bike was vandalized.
  • Personal Injury – Motorcycle insurance policies generally offer personal injury coverage. If you or anyone else on the road are hurt in an accident involving your motorcycle, then this coverage will pay out to cover some or all the medical expenses involved. However, since driving a motorcycle carries a high risk of accidents, this coverage may not be available in all states.
  • Liability – Most states require motorcyclists to buy liability coverage. This form of insurance pays out if someone sues you over a motorcycle accident. For example, if someone gets hurt because of your motorcycle and brings a lawsuit against you, your liability coverage will pay for some or all the legal fees and damages.