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  • Writer's pictureCharlotte Burr

Motorcycle Insurance 101

Updated: Aug 1, 2020

While riding a motorcycle may feel like pure freedom, it also comes with plenty of responsibility. Motorcycle insurance is a good idea not only because it’d be irresponsible not to own it, but also because it’d be illegal. Motorcycle insurance is required in every state besides New Hampshire which still requires financial responsibility in an accident.

Without insurance, you may receive a fine, have your license revoked, exposing yourself to possible lawsuits if you’re in an accident or even face jail time. Thankfully, AZ Insurance Team can help you avoid any of these by finding a policy affordable for you. Typical motorcycle insurance covers liability, comprehensive, collision, and uninsured and underinsured bodily injury (which is the most important because it covers your injuries.)

Liability coverage will pay for the damage you cause to other vehicles or objects, other drivers or passengers if they are injured, and lawsuits if you are sued in an accident in which you are found at fault.

Comprehensive protects your motorcycle from theft, any damage from vandalism, animal accidents, falling branches, storm, wind, hail, and even vandalism.

Collision will cover your bike if you collide with another vehicle, person or object even if the accident is not your fault.

Uninsured and Underinsured Motorist Bodily Injury cover your medical bills, time off work and pain and suffering if you are hit by someone who doesn’t have insurance or someone who doesn’t have enough insurance to cover the damage they did to you, up to your policy’s limits.

Medical Payments (Med Pay) will pay for the medical costs for your and your passenger’s injuries while on the bike, regardless if it’s not your fault.

Extra coverage your policy may include could be roadside assistance, belongings carried by your vehicle, and total loss coverage. Remember, the more coverage, the more expensive the policy.

Need a quote? Give us a call!

AZ Insurance Team 480-535-5709

*All policies are a little different and this may not be applicable to your insurance policy, talk to your agent to see what your policy covers.*

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