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Motorcycle Insurance

A Guide to Motorcycle Insurance Coverage

Insurance for motorcycles is designed to protect the bike owner from the myriad of risks in sharing the road with four-wheeled vehicles. In the same way that auto insurance functions so motorcycle coverage also works. This type of a policy is tailor made for motorcyclists, whether one’s bike is taken out daily for work, for pleasure, or just occasionally for that weekend trek with friends.

How it Works

One simply needs to choose the kind of insurance coverage he or she wants. Each kind of coverage has different premium rates depending on how large and comprehensive the coverage is. The more insurance coverage, the higher the premiums will be. (That being said, choosing a higher deductible can significantly lower those premium payments.) Generally, premiums for a year of coverage are paid either by providing the entire amount upfront, (discounts are often provided in this case), or by paying monthly. Then, if you are involved in an accident, you file a claim in a timely manner with your insurance provider. Once the claim is investigated and then payment authorized, the policyholder is compensated for his or her losses as outlined in the policy details.

Types of Coverage

Bodily Injury and property damage
This aspect of the plan is what pays out for any costs that arise from the injuring of other people in an accident. It also compensates for any property damage caused by the motorcyclist.

Personal Injury

This is what pays out for costs arising from injuries the rider may have had during the accident. It also can compensate him or her for any lost income that is a consequence of being injured and unable to work.


Medical coverage compensates for any treatment resulting from the accident. It also provides financial help for the medical costs of any passengers you might have had during the accident.


This component can pay for a new motorcycle if yours is stolen or destroyed in an accident. It also can pay for parts and repairs and for medical or liability costs to other people involved in the accident, if you’re the one at fault.

Towing and Roadside Assistance

This helps with roadside assistance, such as tire changes, battery recharges, windshield repair or towing to a mechanic.


Motorcycles are quite different from autos in that they are often stored for months at a time before use. Motorcyclists are counseled to meet with an insurance agent to discuss precisely how much they ride, where, for how long the bike might be stored (if at all), and how often they intend upon riding in any given year. All this helps in determining a proper amount of coverage, premium levels and deductibles that best meet the needs of the policyholder.