Whether you own a motorcycle for personal use or simply ride one for your business,
motorcycle insurance protects you and your bike. And insuring a motorcycle for commercial use
— including a fleet of motorcycles — is basically the same as insuring one for private use.
Required Motorcycle Insurance
If a motorcycle accident is your fault, you could be held responsible legally for damage or injury caused by an accident. Required by law, there are two types of motorcycle coverage you’ll need to have: Bodily Injury Liability and Property Damage Liability. These components are built-in to any motorcycle policy you purchase.
In many states, guests riding your motorcycle are covered under motorcycle insurance. However, this coverage is optional in some states.
Other Motorcycle Insurance Options and Considerations:
Uninsured/Underinsured Motorist Coverage - There are a fair number of motorists driving who may not have insurance. If one of them hits you, what you do? If you had Uninsured/Underinsured Motorist Insurance, your coverage would help pay for applicable medical expenses if you are injured by a motorist who doesn’t have insurance.
If your bike is damaged in a motorcycle accident, your motorcycle insurance can pick up the covered costs to repair and replace it. There are two primary types of motorcycle damage insurance:
Rental Reimbursement Coverage – While your motorcycle is being repaired as a result of an accident, rental reimbursement coverage will pay for your rental while your bike is being repaired for the number of days listed on your Policy Declarations.
In order have the most protection possible, in additional to standard motorcycle insurance, be sure to look into the above specialized motorcycle coverages, including coverages for safety-related gear and accessories.
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