Motorcycle Insurance – an Introduction

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Motorcycle insurance is one of those things that we must have, whether we like it or not.

Choosing the right insurance policy for your motorcycle is just like choosing the right motorcycle. You want it to be a comforting experience, but at the same time you don’t want it to cost you much. Most of the states in the US and other countries around the world require you to carry a minimum amount of liability coverage; other types of coverage are usually add-ons which don’t always suit everyone. You must always ask your motorcycle insurance agent or company representative which laws apply to your particular case.

Many factors can play a role in determining what your insurance costs will be such as your age, your driving record, where you live, the type of motorcycle you own, and being a graduate of a rider-training course.

As the owner of a motorcycle, you want to make sure that you have the right coverage to protect both you and your bike in the event of an accident. You also need to protect your passengers with rider motorcycle insurance coverage as well. Rider motorcycle insurance isn’t something that many owners think about when they think of insuring their bikes, but it is very important!

You need insurance coverage that covers your passengers in the event of accidents. This type of coverage is named differently varying from company to company, but it is typically known as passenger insurance coverage. If the company you are shopping at has no idea what you are talking about, you may want to go to the next company out there.

Passenger coverage covers liabilities for injuries to your passengers if you are in an accident. This coverage usually pays the passenger if you are at fault in the accident, or if you are stuck by an uninsured or under insured motorist. It can cover your passenger’s medical expenses and possibly even their lost wages while they are out of work.

Most of us think that our friends would never sue us, but you shouldn’t count on that. If your friend is riding on your motorcycle and you are in an accident where you are at fault, your friend may very well sue you if you do not have coverage that provides for their medical expenses.

If you do have coverage, and it is not sufficient, they may decide to sue your insurance company for more money. This will cause your rates to go up or your insurance company to drop your coverage all together. Don’t make the mistake of thinking that a friend won’t sue you or your insurance company! Make sure that you have adequate rider motorcycle insurance!


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