There’s nothing quite like owning a motorcycle, whether you’re a bike lover or simply looking for a way to get around town. In case of an accident, you’ll want to protect yourself, your passengers, and your investment. Besides getting a motorcycle accident attorney Seattle-based, you’ll need insurance, just like you would with a car. And, just as you would for vehicle insurance, you’ll want to search for the finest bike insurance. The following is a guide on general motorbike insurance coverage.
What does motorcycle insurance cover?
Motorcycle and vehicle insurance provide nearly identical protection. The following are the primary coverages that a full coverage motorcycle insurance policy will provide.
Liability
Liability insurance covers the other driver’s losses and pays for your legal defense if you cause an accident that results in injuries or damage to someone else’s property.
Collision
If you get into an accident, collision coverage will compensate you for the cost of your bike’s repairs. Coverage is extensive.
Comprehensive
If your bike is damaged in a non-collision occurrence, such as a collision with an animal or a fire, comprehensive coverage pays for the repairs. If your bike is stolen, it will also cover the cost of a new one.
Medical
If you or a passenger is harmed in a covered accident, medical coverage will pay your and your passenger’s medical expenditures.
Uninsured/underinsured motorist
If you’re in an accident with a driver who doesn’t have insurance or doesn’t have enough insurance to cover your losses completely, this policy will cover you.