Whether you are a newbie or a seasoned rider, motorcycle insurance is one of those non-negotiable expenses that you have to pay to hit the road. However, choosing the right coverage can be quite daunting, given the range of options available. In this blog post, we will look at some of the essential motorcycle insurance coverages you should consider to ensure you are adequately protected.
1. Liability Insurance
This is one of the most common types of motorcycle insurance that is mandatory in most states. It covers bodily injury or property damage you cause to other people in an accident. Generally, motorcycle liability insurance consists of two coverages: bodily injury liability and property damage liability.
Bodily injury liability covers medical expenses, lost wages, and pain and suffering of the other party, while property damage liability covers damage to their property, such as their car or house.
2. Collision Insurance
Collision insurance covers repair or replacement of your motorcycle if you are involved in an accident regardless of whose fault it was.
Collision coverage is particularly important if you have a new, expensive motorcycle or if you are still making loan payments on it. This coverage can help you avoid the hefty repair bills that can result from even minor accidents.
3. Comprehensive Insurance
Comprehensive insurance covers non-collision events such as theft, vandalism, fire, natural disasters, and animal damage. This coverage is typically optional, but it is advisable to have it if you live in an area prone to natural disasters or a high theft rate.
4. Uninsured/Underinsured Motorist Insurance
This coverage comes in handy when you are involved in an accident with a driver who has little to no insurance or if the driver flees the scene.
Uninsured/underinsured motorist insurance can protect you against medical expenses, lost wages, and damages to your motorcycle that are not covered by the other party. Several states require this coverage, while others make it optional.
5. Medical Payments Coverage
This coverage pays for medical expenses for you or your passengers who are injured in an accident. It covers hospital bills, surgery, X-rays, and other medical costs regardless of who is at fault for the accident. It is particularly important if you don’t have health insurance or if your coverage has a high deductible.
Delgado’s Insurance: Affordable Motorcycle Insurance in California
If you need dependable and affordable insurance in the Golden State, look no further than Delgado’s Insurance.
We have locations in Riverside, California, and Bloomington, California. Get in touch today by telephone (951-361-0084, 909-421-9003), email (mail@delgadosinsurance.com), or through our social media accounts (Facebook, Twitter)!
