Liability includes bodily injury and property damage protection and is almost always required. If you ever cause an accident with your motorcycle, liability coverage helps protect you from having to pay others' injury or repair bills.
When deciding how much liability insurance to get, a good rule of thumb is to get as much protection as you can comfortably afford.
Comprehensive and collision coverage
While liability is all about covering the other driver's expenses after an accident, collision coverage helps repair your bike if you cause an accident. Collision also helps cover the cost of riding apparel and helmets damaged in a covered incident.
Comprehensive coverage, on the other hand, kicks in after a non-collision incident such as a stolen motorcycle or that dead tree limb crashing down on your ride. Comprehensive can help pay the damage or even replace your motorcycle altogether.
But that’s just the beginning.
Be sure to ask our insurance professionals to explain all of the following coverages so you may make an educated decision:
- Total loss coverage
- Medical payments coverage
- Optional equipment coverage
- Trip interruption coverage
- Uninsured/underinsured motorist coverage
- Towing and labor coverage