If you are going to be out riding around on a motorcycle, you are going to need some sort of insurance for it. That being said, it can be quite complicated, if you don’t know what you are looking for. Commerce Insurance Agency in Commerce, GA put together a list of the types of motorcycle insurance that you may want to look into.
Types of Motorcycle Insurance
Liability insurance will cover the medical bills of anyone who is injured while you are out riding. It will also cover the expenses if you damage someone’s property. If you are sued over the accident, your liability insurance will help to pay for your legal fees. This insurance is required before you buy a bike.
You may also want to look into collision coverage. This will pay for damage that occurs to another vehicle while you are on your bike. It will also cover the repairs on your own motorcycle.
If you have a really nice bike, you may want to get comprehensive coverage. This will cover damage that occurs when you are not on your bike, such as fire, theft, and storm damage.
Most companies also recommend uninsured and underinsured motorist coverage. This will protect you if you are in an accident with someone who doesn’t have enough insurance (or any at all) to cover your expenses.
If you have customized your bike, you may want customized motorcycle parts coverage. It will pay more to fix your bike so that it can look like it did prior to the accident.
Since insurance is so complicated, it is a good idea to talk to a professional. Don’t hesitate to contact us at Commerce Insurance Agency in Commerce, GA.