Motorcycle Insurance: How Does It Work?

If you own a motorcycle, it is imperative to have motorcycle insurance. Most states require this kind of insurance coverage, so you’re protected while riding and in case your bike is ever stolen. Here is what you need to know about how motorcycle insurance works from Front Range Insurance Services, serving Littleton, CO.

What Is Covered by Motorcycle Insurance?

Motorcycle insurance includes a few different types of coverage, including liability, comprehensive, and personal injury. This coverage will protect you against damage and injury while riding, medical expenses if you’re involved in an accident, and against theft. 

It is not uncommon for some bikers to also purchase uninsured motorist and collision coverage. This will cover any costs associated with damage or injuries caused by another driver without sufficient protection or a collision.

How to Make Sure You Have Appropriate Coverage

As a general rule, if your state requires motorcycle insurance, it means you are required to have liability coverage. Coverage outside of this is usually optional, yet recommended. Due to the fact that you are more likely to suffer a serious injury on a motorcycle, personal injury protection should at least be considered.

Collision and comprehensive insurance is something else to consider, especially if you ride your bike on a regular basis. This simply ensures you are sufficiently protected in the event of an accident. As you select your deductible, keep in mind your potential out-of-pocket expenses to ensure you don’t find yourself in a financial bind if an accident occurs. 

If you need help determining the most appropriate motorcycle insurance policy for you and your bike, reach out to the team at Front Range Insurance Services, serving Littleton, CO.