The spring season is finally upon us, which means a great deal of people will start riding their motorcycles again. It is a great way to travel, especially in the day and age of social isolation. Hitting the road on your bike may actually be the best and safest way to get out of the house in order to blow off some steam. What better way is there to stay away from others, but still have the freedom to cruise? That being stated, you still need to make sure that your motorcycle is properly insured before you take it out for a spin. So without further ado, the following information will provide you with a bunch of motorcycle insurance coverage options that will protect both your ride and yourself.
In essence, there are many types of motorcycle insurance coverage options to choose from. In fact, they are similar to the standard options that are available for automobile insurance. In addition to liability coverage, and uninsured/underinsured motorist coverage, the following options are typically available to motorcycle owners in the Commonwealth of Massachusetts.
Collision Coverage
If you get into an accident with your motorcycle, collision coverage pays for the actual damage to the bike after your deductible is subtracted from the repair or replacement amount. The deductible is the amount of money that you choose when you initially purchased your policy. In essence, it is the amount that is deducted from the claim check.
Comprehensive Coverage
This type of motorcycle insurance coverage pays you if your motorcycle is stolen or if the bike is damaged by anything other than a collision with another vehicle. Please note that a deductible applies and collision with animals are covered under your comprehensive coverage.
Personal Injury Protection Coverage
This type of motorcycle insurance coverage pays for medical bills, or portions of medical bills for parties that are injured in an accident. The parties may include you, a passenger, a pedestrian, or another operator. Insurance companies typically offer personal injury protection as an add on option, although it may be included as part of your standard policy. Deductibles may apply in certain cases.
Trip Interruption Coverage
This type of motorcycle insurance coverage comes in extremely handy if you are in an accident, or your motorcycle is put out of action when far away from your home. In essence, trip interruption coverage pays for food, lodging, and transportation if you are at least 100 miles away from your primary address.
Roadside Assistance Coverage
Speaking of breaking down, roadside assistance coverage includes towing and even labor at the site where your motorcycle breaks down. This is typically limited to specific distances within the radius of your primary address. For example, roadside assistance may only cover you if the bike is located within 30 miles of your place of residence.
Transport Trailer Coverage
If you travel with your motorcycle or transport it in a trailer, you should seriously consider adding this type of coverage to your policy. In essence, it covers damages to trailers that are valued up to $7,500.
In conclusion, if you own and operate a motorcycle, it is just as important to have the proper insurance coverage as it for your automobile. It can make the difference of having an amazing experience on the open road, or potentially facing a disaster from a financial standpoint. Please consult with a professional insurance agent that specializes in providing motorcycle insurance. It is important to fully understand exactly what you are buying when it comes to insurance policies. If you have any questions, please call (508) 831-0133 to contact an associate at Zawada Insurance. We are happy to walk you through the details of your insurance policies and explain stockyour coverage options. We look forward to helping you with all of your personal and or business related insurance needs now and in the future.