Motorcycles offer a sense of adventure on the road, but they can also be more vulnerable in the event of an accident. That’s why motorcycle insurance is designed with coverage that addresses injuries and property damage after a crash.
Coverage for Injuries 
If you are injured in an accident, medical payments coverage may help with expenses like hospital visits or rehabilitation. In states where personal injury insurance is available, it may also cover lost wages and additional care needs. At the same time, bodily injury liability coverage may assist with medical costs or legal expenses if another person is injured in an accident you cause.
Coverage for Property Damage
Property damage liability coverage may help repair or replace another person’s vehicle or property if you are at fault. Collision coverage, if added to your policy, may help repair your motorcycle after a crash, regardless of who is responsible. Comprehensive coverage may cover damage caused by events other than accidents, such as theft, fire or severe weather.
Why These Coverages Matter
Even a minor motorcycle crash can result in significant costs. Carrying the right mix of liability and optional coverage can make a major difference in how those expenses are handled. Reviewing your policy regularly helps confirm that your coverage limits and add-ons match your riding habits and financial needs.
Learn More
Motorcycle insurance offers important coverages that come into play after a crash or accident. Contact us at our office today to review motorcycle insurance options with Total Insurance.
This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.