Motorcycle Insurance Basics First-Time Owners Should Know 

Buying your first motorcycle is exciting, but it also comes with responsibilities, including maintaining appropriate insurance.

Liability Coverage

Liability insurance is required in most states for motorcycles. It may help cover costs if you’re responsible for injuring someone or damaging their property in an accident.

Policies typically include the following:

• Bodily injury liability may assist with third-party medical bills, lost wages or legal fees for the other party.

• Property damage liability can help repair or replace another person’s vehicle or property.

Liability coverage doesn’t cover your accident-related injuries or damage to your motorcycle.

Collision and Comprehensive Coverage

Collision coverage may help with repair or replacement costs for your motorcycle after a crash, regardless of fault. This includes accidents involving another vehicle and single-vehicle accidents like hitting a guardrail or sliding on gravel.

Comprehensive coverage applies to damage caused by non-collision events, such as theft, fire, vandalism, hail or hitting an animal.

If you’ve invested in a new or high-value bike, these coverages can make a big difference in recovering from unexpected losses. Motorcyclists who finance or lease a motorcycle may be subject to physical damage requirements imposed by the lender.

Other Coverages to Consider

Riders may also want to explore the following available coverage:

• Uninsured/underinsured motorist coverage for accidents with at-fault drivers who don’t have enough insurance.

• Medical payments and personal injury protection (PIP) to help with your medical expenses after a crash.

• Coverage for custom parts or gear if your bike has upgrades or you want to insure your riding equipment.

Learn More

Lone Star Insurance Agency can help new motorcycle owners explore coverage options that fit their bike and budget. Contact us today for a personalized quote.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.