Any motorcyclist who has ever been in an accident understands the importance of insurance coverage. Even careful riders are at risk due to sharing the road with other drivers. At AnnieMac Insurance, you can obtain motorcycle insurance to protect you and others against mishaps that can occur while you cruise.
Types of Protection
Motorcycle insurance is specifically designed to protect riders against injuries, property damage, and liability claims from accidents they cause. A basic motorcycle policy offers the following coverage options:
Medical Payments – to cover injuries you may sustain in a motorcycle accident
Collision – to cover damage to your bike if you collide with another vehicle or stationary object
Comprehensive – to cover theft of your bike and damage caused by non-collision events like bad weather, animal strikes, falling objects, or vandalism
Uninsured Motorist – to cover damage to your bike if you are hit by an uninsured or underinsured driver
Liability – to cover property damage and injuries to others in accidents you cause. This includes injuries to pedestrians if you lose control of your bike and run into someone crossing the road or on the sidewalk.
Importance of Motorcycle Coverage
Motorcycle liability insurance is mandatory in many states to fulfill your responsibility to others in accidents you cause. The other types of coverage are often optional. If you own an expensive bike, however, you can appreciate the protection that collision, comprehensive and uninsured motorist insurance can provide. Without it, you run the risk of paying for repairs to your bike on your own if it suffers accidental damage.
Whether you are an avid or occasional rider, motorcycle insurance is one of your best options for protecting yourself against theft, breakdowns, and accidents. To purchase your motorcycle policy, contact us today!
