Types of Motorcycle Insurance
Understanding your coverage options is essential before and after an accident.
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Liability Coverage
Required in most states
Covers damage and injuries you cause to others:
- Bodily Injury Liability: Medical costs, lost wages, pain and suffering for others
- Property Damage Liability: Repairs to other vehicles and property
Recommendation: Carry more than state minimums. Minimum coverage often isn't enough.
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Collision Coverage
Optional but recommended
Covers damage to your motorcycle when you hit another vehicle or object, regardless of fault.
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Comprehensive Coverage
Optional but recommended
Covers non-collision damage:
- Theft
- Vandalism
- Fire
- Natural disasters
- Animal collisions
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Uninsured/Underinsured Motorist (UM/UIM)
Critical coverage
Protects you when the other driver:
- Has no insurance
- Has insufficient insurance
- Flees the scene (hit-and-run)
This is possibly the most important coverage you can have. Many drivers are uninsured or underinsured.
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Medical Payments (MedPay)
Covers your medical expenses regardless of fault. Pays quickly without waiting for claim resolution.
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Personal Injury Protection (PIP)
In no-fault states, covers:
- Medical expenses
- Lost wages
- Essential services
- Funeral expenses
What Coverage Do You Need?
Minimum Recommendation:
- State minimum liability (preferably higher)
- Uninsured/Underinsured Motorist coverage
- Medical Payments coverage
Ideal Coverage:
- 100/300/100 liability coverage
- Matching UM/UIM coverage
- Collision and comprehensive
- MedPay or PIP
- Accessory coverage for gear and modifications
After an Accident
- Report the accident to your insurance promptly
- Don't accept quick settlements
- Understand your policy limits
- Consider how each coverage applies
- Consult an attorney before recorded statements