Motorbike insurance and Motorcycle insurance

Sunday, April 11, 2010

Motorcycle insurance and motorbike insurance coverage helps protect you, your bike and others on the road. Most MotorCycle insurance is available for most types of motorcycles including: sport bikes, cruisers, tour bikes, enduros, scooters, dirt bikes, trikes and some custom bikes.
Insurance gives you the peace of mind that you and your motorcycle are protected should the unexpected occur. If you are involved in an accident, insurance can help cover the cost of repairs to your bike and medical costs. Your cycle insurance policy also provides coverage if your bike is stolen.

What does motorcycle insurance cover?

* Accessories – if you carry comprehensive or collision coverage, your policy will include coverage for your accessories (coverage amounts vary by state). Accessories may include: saddlebags, backrests, seats, chrome pieces and CB radios. If needed, additional coverage can be purchased.

* Bodily injury liability – provides protection if you injure or kill someone while operating your motorcycle. It also provides for a legal defense if another party in the accident files a lawsuit against you. Bodily injury liability covers injury to people, not your vehicle.

* Medical payments, no-fault or personal injury protection – usually pays for medical expenses of the injured driver and passenger.

* Uninsured motorists – pays for your injuries caused by an uninsured driver in a crash that is not your fault.

* Comprehensive physical damage – pays for damage to your motorcycle from theft, vandalism, flood, fire or other covered perils.

* Collision – pays for damage to your motorcycle when your motorcycle hits or is hit by another vehicle or object.

* Property damage liability – pays for damage to someone else's property resulting from an accident for which you are at fault and provides you with a legal defense.

motorcycle insurance