Motorcycle insurance and auto insurance have many of the same
components. Listed below are the elements that together makeup a
motorcycle insurance policy.
Liability Coverage
Collision Coverage
Provides coverage for damage from an accident to your insured or
non-owned motorcycle and to your helmet. Your deductible is not
subtracted from the loss payment in the event of a collision
involving your cycle and another vehicle insured by the same company
Comprehensive Coverage
Provides coverage for damage to your insured or non-owned motorcycle
caused by falling objects, fire, theft, vandalism, flood and certain
other non-collision losses.
Medical Payments Coverage
Provides coverage if you, covered family members, or your covered
passengers receive necessary medical treatment, services or products
for bodily injury caused by a covered accident.
Personal Injury Protection Coverage (PIP)
Also called "no-fault" insurance. Although coverage varies
by state, PIP typically provides coverage for you, covered family
members, or your covered passengers for medical, rehabilitation, or
funeral expenses, even work loss, survivors' loss and essential
services expenses caused by covered accidents.
Motor Cycle Policy (Optional Coverages)
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Uninsured & Underinsured Motorists Coverage
Provides coverage in case you, a covered family member, or your
covered passengers are injured or killed in an accident involving a
driver who doesn't have insurance at all or who doesn't have enough
insurance to cover the damage they cause you (respectively).
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Optional Equipment Coverage
If you select comprehensive coverage, for an additional premium you
can also obtain coverage for loss to any optional or added equipment
that is not permanently installed. This includes such items as crash
bars, custom seats, sissy bars, windshields, fairings, saddle bags,
tank bags, trunk and luggage racks, custom light bars, and custom
exhaust systems.
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Towing and Labor Costs Coverage
Company will the cost of labor done at the site of disablement of
your insured or non-owned motorcycle and for necessary towing of your
motorcycle because of the disablement.
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Rental Reimbursement Coverage
Provides coverage for the cost of renting an automobile if you have
purchased comprehensive and/or collision coverage and the loss to
your motorcycle involves either coverage.
To find the best coverage and rates on motorcycle insurance visit our
specialist site below.
