- Required coverages: Most states require motorcyclists to carry a minimum amount of liability insurance, to cover bodily injury and property damage costs caused to other people involved in an accident. In addition, uninsured/underinsured (UI/UIM) motorist coverage is recommended, or even required, in many states as part of a motorcyclist’s insurance policy to cover expenses for damage caused by another driver who does not have insurance or whose insurance is inadequate. The mandatory minimum liability limits for these coverages in states where they are required for motorcyclists are generally similar to those required for automobiles.
- Optional coverages:
a) Collision—covers damage resulting from a collision with another vehicle, an object or as a result of flipping over. b) Comprehensive—covers damage caused by events such as fire, flood, falling objects, theft or vandalism.
c) First-party medical coverage—covers your own medical expenses if they were incurred in an accident while operating your motorcycle.
c) Emergency road service—covers towing and roadside assistance costs.
d) Accessories and customization—covers the repair or replacement of accessories, like helmets and safety jackets, and customized equipment added to the motorcycle after purchase, such as exhaust pipes, saddle bags, and seats.
- Your age and driving record
- Where you live
- The model, make and horsepower of your motorcycle
- Where you store and drive your motorcycle