Standard Motorcycle Insurance Coverage vs Optional Coverages

Much like auto insurance, motorcycle insurance is a blend of standard and optional coverages that work together to protect you from slew of risks.

What are the different types of motorcycle insurance? How much insurance do you need? How much might you want? And what types of motorcycle insurance are required by law or by your leasing or financing company? Below are answers to these questions and more.

Standard Motorcycle Insurance Coverage
There is no such thing as “standard” motorcycle insurance, because what’s included in a “basic” policy varies from insurer to insurer. As a general of thumb, however, liability, collision, comprehensive, medical payment (or personal injury protection), and uninsured and underinsured motorist coverages are bundled together in a standard policy.

Liability Insurance: Liability is the most basic type of motorcycle insurance, and it’s legally required in most states. Liability insurance covers bodily injury and property damage that you may cause to others while riding your motorcycle. It’s important to note that liability insurance doesn’t cover damage to your own motorcycle or cover your injuries.

Collision Insurance: Collision covers damage to your motorcycle resulting from a collision with another vehicle or stationary object, regardless of who’s at fault. It’s particularly important for expensive or financed bikes (and is often required by leasing companies and lenders).

Comprehensive Insurance: Comprehensive protects against non-collision related incidents, such as theft, vandalism, natural disasters, or collisions with animals. This coverage is also often required by lenders if you’re financing your motorcycle.

Uninsured/Underinsured Motorist (UM/UIM) Insurance: UM/UIM insurance protects you if you’re involved in an accident with a driver or rider who either doesn’t have insurance or has insufficient insurance to cover your damages. Although not mandatory in every state, UM/UIM insurance is crucial.

Medical Payments (MedPay) Insurance: MedPay covers medical expenses for you and your passenger, regardless of who’s at fault in the accident.

Personal Injury Protection (PIP) Insurance: PIP covers medical expenses for you and your passenger, regardless of who’s at fault in the accident. Personal injury protection coverage can also pay for lost wages and other expenses.

Optional Motorcycle Insurance Coverages
With most motorcycle insurance companies, you also have the option of buying additional coverage, as add-ons to your standard coverage.

These optional type of motorcycle insurance coverage can include:

How To Choose The Right Motorcycle Insurance Coverage
Once you’ve met the insurance requirements dictated by your state and leasing or financing company, the amount of insurance that you’ll buy is up to you! While low premiums can be tempting, you want to make sure that you carry enough insurance to give you financial protection and peace of mind.

Check With Your Insurance Agent Or Company
Please note that the information provided above is for informational purposes only. For the most accurate, up-to-date, specific information, check with your insurance agent or insurance company.

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Motorcycle liability insurance is required in virtually every state (Florida, Montana, and Washington are the exceptions). But liability only covers injuries and damage to other people property. To protect yourself and your motorcycle, you’ll need to add other types of insurance.