Anyone who has ever been in a motorcycle accident will tell you that they are no joke. Even a minor fall can result in serious injuries and extensive damage to your bike. That’s why motorcycle insurance is so important. Not only does it help to cover the cost of medical bills and repairs, but it also offers peace of mind in knowing that you’re protected in the event of an accident. Right Choice Insurance and Taxes in Tuscon, AZ provides you with this guide on navigating motorcycle insurance.
3 Things You Didn’t Know About Motorcycle Insurance
1. There Are Different Types of Coverage
Just like there are different types of motorcycles, there are also different types of motorcycle insurance coverage. The most basic type of coverage, liability, will protect you in the event that you are found at fault for an accident. This type of coverage is required in most states. If you want additional protection, you can add on collision and comprehensive coverage, which will cover the cost of repairs to your motorcycle in the event of an accident.
2. Minimum Coverage May Not Be Enough
The minimum amount of motorcycle insurance coverage required by most states is usually not enough to fully protect you in case of an accident. This is because the minimum coverage limits are often too low to cover the cost of medical bills and repairs. If you have a loan on your motorcycle, your lender will likely require you to carry full coverage, including liability, collision, and comprehensive coverage.
3. You Can Insure Your Passenger
If you frequently ride with a passenger, you can purchase coverage that will protect them in the event of an accident. This type of coverage is called passenger liability, and it can help to cover the cost of medical bills and other expenses incurred by your passenger.
If you have a motorcycle, it’s important to ensure that you have the right insurance coverage. At Right Choice Insurance and Taxes in Tuscon, AZ, we can help you find the perfect policy for your needs. Call us today to get started.