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Coverage
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There's
no way around it: Anytime you're on the road, there's a chance
you might get injured. One of the most important things you
can do is make sure your motorcycle insurance coverage can help
with medical bills if you should get into an accident. |
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Medical
Payments Coverage |
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Medical
Payments typically covers reasonable and necessary medical expenses
that are the result of any injury to you or your passengers.
Some examples of expenses that might be covered include ambulance,
hospital, x-ray, dental, and surgical.
- Medical
and hospital expenses
- Lost
income
- Services
you would normally do yourself
- Funeral
expenses
- Child
care expenses
You're typically
covered regardless of who was at fault. Personal Injury Protection
is only available in certain states. |
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Take
care of your bike and it'll take care of you, right? There are
three kinds of motorcycle insurance coverage that typically
help get your bike back on the road. |
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Collision |
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A collision
almost always means damage to your motorcycle. And that's
just what this coverage is for.
It typically covers damages to your motorcycle that result
from a collision with another object, which could include
another car or motorcycle, a tree, or a building.
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Comprehensive |
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It
doesn't always take two vehicles to make an accident. Comprehensive
Coverage typically covers your bike if it's damaged by:
- Flooding
- Wind
- Vandalism
- Theft
- Some
other reason that doesn't involve a crash with another vehicle
You get to
choose the amount of your deductible (the amount you pay before
eligible coverage kicks in). Comprehensive Coverage typically
covers the cost of repairing or replacing your bike, up to the
actual cash value. |
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Uninsured/Underinsured
Motorist Bodily Injury |
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If
an accident isn't your fault, you don't want to pay for the
other guy's mistake, especially if he doesn't have enough insurance
coverage or any at all. This coverage typically covers damages
that result from the injury or death of you or a passenger on
your motorcycle caused by an uninsured or underinsured driver.
Different states have different requirements for which coverage
to have and how much. |
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If
you're in an accident, there's a good chance someone else was
involved. And if you're at fault, you'll want strong motorcycle
liability insurance. |
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Property
Damage Liability |
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If
you're at fault in an accident and cause damage to others' property,
Property Damage Liability Coverage typically covers damages
that result from the damage to another person's property when
you are at fault. Some of the things you may be liable for include
vehicles, private residences, and storefronts and other structures. |
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Bodily
Injury Liability* |
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If
you're at fault in a crash, it might be your responsibility
to cover the medical bills for your passenger or the other driver.
In a case like that, Bodily Injury Liability typically covers
damages that result from the injury or death of another driver
or a guest passenger on your motorcycle when you are at fault.
Some of the things you may be liable for include medical expenses,
lost wages, and pain and suffering. (In most states, bodily
injury to guest passengers on your motorcycle is automatically
provided under this coverage. In other states, you can pay an
additional premium so that Bodily Injury Liability also applies
to guest passengers.)
*In some states, bodily injury to a passenger is covered separately
under Passenger Liability coverage. |
