What Does Motorcycle Insurance Cover?
Motorcycle Insurance coverages are comparable to auto insurance:
Motorcycle Insurance Liability Coverage
Liability coverage reimburses other motorists and passengers if you’re deemed legally liable for an accident out on your motorcycle.
Motorcycle Insurance Medical & Bodily Injury Coverage
Medical and bodily injury coverage pays any medical bills arising from your injuries in an accident on your motorcycle.
Motorcycle Insurance Property Damage
This coverage reimburses damage to your bike caused by an accident. Payouts include compensation for total loss and damaged protective gear.
Motorcycle Insurance Comprehensive Coverage
Comprehensive provides reimbursement for theft, fire, vandalism, and other assorted losses. This coverage type remains in effect even during cooler seasons when the motorcycle is stored away.
Motorcycle Insurance Custom Parts & Equipment Coverage
If you’re into customizing your ride, tinkering with it, and upgrading it to suit your individual style and personality, custom parts and equipment coverage is a must. This kind of coverage reimburses you for damage and losses to your customizations. Like any other coverage type, the amount of reimbursement will depend on the amount of coverage, which typically ranges from between $3,000 and $10,000.
Motorcycle Insurance Roadside Assistance
Roadside assistance can be a godsend if your stranded, your bike breaks down, or you need a tow out on the highway. It can even help you out if your motorcycle ends up in any of these situations:
• Dead battery
• Flat tire
• Lost key
• Low fluid
• Bike is stuck within 100 ft. of roadway
Uninsured/Underinsured Motorist Coverage
If you’re in an accident on your motorcycle with a motorist not carrying vehicle insurance, or not carrying enough, uninsured/underinsured coverage protects you, the rider, for any ensuing bills arising from property damage or injury to your person.
Motorcycle Insurance Trip Interruption Coverage
If you should need to unexpectedly cancel or postpone a planned trip due to a mechanical breakdown, collision, or comprehensive claim, trip interruption coverage reimburses you for non-refundable costs associated with your change of plans. If you’re protected with this kind of coverage, Harry Grizzle Insurance may be able to cover:
• Alternative Transportation