Owning a motorcycle comes with costs and risks that deserve the same attention as the bike itself. Before you ride, understanding what insurance can cover and what gaps could leave you exposed helps you make informed decisions about your policy.
Why Does This Policy Matter? 
Motorcycle accidents can result in significant medical bills, repair costs and legal liability. Riding without adequate coverage means those expenses can come out of your pocket. Many states may require a minimum level of liability coverage to legally operate a motorcycle and riding without it can lead to license suspension, fines and other consequences.
What Does a Policy Cover?
A typical motorcycle policy can offer the following:
- Liability coverage: This can help pay for bodily injuries or property damage you cause to others while operating your bike.
- Collision coverage: This can cover damage to your motorcycle from an accident.
- Comprehensive coverage: This can cover damage from theft, vandalism, weather events and other covered non-collision events.
- Medical payments coverage: This can help pay for your own medical expenses following an accident, regardless of fault.
- Uninsured/underinsured motorist coverage: This can cover your losses if you’re hit by an at-fault motorist with little or no liability coverage.
What Factors Affect My Rate?
Premiums can vary based on your riding history, claims history, the make and model of your motorcycle, how often and how far you ride, where the bike is stored, coverage selections, and deductible.
You can lower your premium by bundling your policies, completing a defensive driving course, or installing safety devices on your bike. Talk to your broker to learn more.
How Can Dixon Blackwood Insurance, Inc. Help?
We can compare policies from multiple carriers and match your coverage to how you use your motorcycle. Contact Dixon Blackwood Insurance, Inc. today to review your options and request 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.