In a report that was published in 2013 by the National Highway Traffic Safety Administration, motorcyclists are 26 more times more apt to be in an accident than people in cars. Even if you are a very experienced rider with years of riding under your belt, you are not able to control the actions of the other drivers on the roadways. Although safe riding practices and using all the correct equipment can be a huge advantage, the next best protection is the finest insurance you can get.
The ABCs of Buying Motorcycle Insurance
Buying bike insurance, with some exceptions, is very much the same as buying car insurance. Every state is allowed to set its own dollar figure for the minimum amount of insurance you must carry, along with an amount to cover liability damages. That is what will cover damages or injuries you do to others. Some states may also expect personal injury protection (PIP) to cover any injuries you may get in a crash and also there is collision coverage to pay for the cost of repairing your vehicle.
Other Additional Coverage You Might Want
*Comprehensive coverage will cover things such as theft, flood or fire
*Uninsured driver pays for damages caused by a driver who has no insurance
*Roadside assistance is for such things as towing and jumping your battery
Off Road Bike Coverage
Some insurance companies might not cover damages or injuries when you are riding on dirt bikes or ATVs. If it is not legal to ride these types of bikes on the roadways in your state, most insurance companies will not even add them on to your policy. You should always check with your insurance agent so find out exactly what is covered and to discuss whether or not you might need a supplemental policy.
