Here is a list of things your motorcycle insurance could include
1. Accessory Coverage For Motorcycles
Accessory coverage is also knows as “CPE”, Custom Parts and Equipment, what that means is everything that you add to your motorcycle after you take it from the store. Before you start riding you should consider if you want to get insurance for these things, they might no be the most expencive to replace if you damage them but they are more likely to get damaged. Here are some examples of motorcycle accessory
1. Audio devices, antennas, GPS and other electronic gadgets.
2. Motorcycle trailers
3. Plow and mower blades
4. Trike kits
5. Exhaust systems, custom paint and plating’
You can buy tons of extra equipment to your motorcycle and you should at least consider insuring it!
You can read more about Accessory Coverage here
2: Comprehensive Physical Damage Insurance
The Comprehensive physical damage insurance for your motorcycle will protect your bike in case of theft, auto accident, damage due to weather and natural disasters and vandalism
You can read more about Physical Damage Coverage here
3: Collision Insurance
If you happen to collide with either another vehicle, mailbox, road sign or any other object, collision insurance will cover the repair expenses
You can read more on Collision Insurance here
4: Bodily Injury Liability Insurance
You can read more on Bodily Injury Liability Insurance here
This form of motorcycle insurance covers the cost if another person than yourself happens to be in the accident. This is not something you should have but something you have to have in most states.
5: Property Damage Liability
If you are out riding and happen to damage someone else’s property this coverage will take care of their costs. This does not apply to your own property!
You can read more about Property Damage Liability here
6: Medical Payments Insurance
This insurance coverage helps with the medical bills you get if you hurt yourself in an accident. Keep in mind that this does not cover damages to others riding your motorcycle
You can read more about Medical Payments Insurance here
7. Personal Injury Protection
This coverage covers injuries that you or a pasanger sustain in an accident, regardless of who caused the accident.
You can read more about Personal Injury Protection here
8: Uninsured Motorist Coverage
This coverage takes care of the financial coverage if you are hit by someone who doesn’t have insurance.
You can read more about Uninsured Motorist Coverage here
9: Underinsured Motorist Coverage
If the other driver in an accident cant pay all of the expensens this coverage helps fill in the gap so that you don’t get stcuk with it.
You can read more about Underinsured Motorist Coverage here
10: Motorcycle Roadside Assistance
This kinda explains itself. If you are out riding and your motorcycle breaks down and you need emergency road assistance, this will take care of the costs.
You can read more about Motorcycle Roadside Assistance Coverage here