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What Are the Different Types of Motorcycle Insurance Available in the US?
Riding a motorcycle is one of the most liberating and thrilling experiences that many people enjoy. However, motorcyclists are also more vulnerable to accidents and injuries on the road. That’s why having motorcycle insurance is critical to protect yourself and others in case of an accident.
In the US, there are several types of motorcycle insurance coverage available for riders. Let’s take a closer look at each type and what it covers.
1. Liability Insurance
Liability insurance is the most basic type of motorcycle insurance coverage that all riders should have. It covers damages that you may cause to other people’s property or injuries to other drivers or passengers in an accident.
2. Collision Insurance
Collision insurance covers damages to your own motorcycle regardless of who is at fault in an accident. If you’re involved in a collision with another vehicle or a stationary object, such as a tree or a wall, collision insurance will help cover the repair or replacement costs.
3. Comprehensive Insurance
Comprehensive insurance covers non-collision damages to your motorcycle, such as theft, vandalism, fire, or natural disasters. If your motorcycle is stolen or damaged in a storm or flood, comprehensive insurance will help cover the repair or replacement costs.
4. Uninsured/Underinsured Motorist Insurance
Unfortunately, not all drivers on the road have adequate insurance coverage. If you’re involved in an accident with an uninsured or underinsured driver, this type of insurance will help cover the costs of damages and injuries that the other party is unable to pay for.
5. Personal Injury Protection (PIP)
Personal Injury Protection (PIP) is a type of insurance that covers medical expenses and lost wages in case of an accident, regardless of who is at fault. This type of coverage is especially important for motorcyclists, who are more likely to sustain serious injuries in an accident.
6. Accessories Coverage
Accessories coverage is an add-on to your motorcycle insurance policy that covers any aftermarket parts or customizations that you’ve added to your bike. If these accessories are damaged or stolen, accessories coverage will help cover the repair or replacement costs.
In conclusion, having motorcycle insurance is crucial for all riders to protect themselves and others in case of an accident. Speak with an insurance agent to determine which types of coverage are best suited for your needs and budget. Stay safe on the road!