Motorcycle Insurance What are the Different Types of Coverage?

Motorcycle insurance protects riders in the event of an accident. Motorcycles are smaller than automobiles, which means they are easier to maneuver but also more likely to be involved in an accident if the driver does not pay close attention to their surroundings. In some areas, motorcycle insurance is mandatory, so it’s important to understand what types of coverage you need before you purchase your policy and protect yourself from high costs and penalties down the road. This guide will walk you through the different types of motorcycle insurance and what they offer, so you can make sure you’re protected in case of an accident or injury while on your bike.

Types of Motorcycle Insurance

Below we’ll discuss some of your options when it comes to buying motorcycle insurance, but in short, you have a few different coverage types that you’ll want to get a quote for. The three main types of coverage are Bodily Injury Liability: This type of coverage can protect you from any costs that result from an accident caused by your negligence or carelessness while operating your bike. You’re required to purchase at least $25,000 worth of bodily injury liability.

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Liability Insurance

Liability coverage includes third-party liability, which protects you from lawsuits and injuries caused by your own negligence. Personal injury protection (PIP) covers medical expenses incurred by you or others, subject to a deductible. In addition, many people buy medical payments coverage for themselves and their passengers, which is similar to PIP but applies no matter who caused an accident. Collision insurance covers damages that occur as a result of contact with another vehicle or object, subject to a deductible. Comprehensive insurance offers protection against non-collision losses such as theft and damage from weather events.

Collision insurance

Collision coverage is there to pay for damages when your bike collides with another vehicle or an object. If you’re involved in a collision and your motorcycle isn’t completely covered, you could be on your own. Collision insurance will help protect you financially, meaning you don’t have to shell out cash if someone bumps into you. However, keep in mind that only damage caused by an accident is covered—if it’s determined that your bike was stolen or vandalized, it won’t be covered under collision insurance.

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Comprehensive insurance

Comprehensive insurance is essential for any motorcycle owner. This type of policy protects your bike in a number of ways and can make a big difference if your ride ever needs repairs, gets stolen, or is damaged in an accident. Comprehensive insurance covers damage from many different sources, including weather, vandalism, and theft. While collision coverage does have some overlap with comprehensive coverage (both types will help pay to repair or replace a totaled bike), comprehensive offers additional protection that may be more valuable than you realize. If you live in an area where extreme weather events such as hurricanes, tornadoes, or blizzards are common, having comprehensive motorcycle insurance could be worth its weight in gold when it comes time to recover from an incident like these.

Medical payments coverage

For example, if you’re involved in an accident and need to go to a doctor or hospital, medical payments coverage will pay for your bills. Medical payments are often included in low-cost insurance plans; however, many people choose to opt-out of it because they don’t think they’ll have any accidents or injuries. Additionally, having medical payments can increase your premium rate. Because that kind of coverage is considered optional by many insurance companies. If you expect to only ride during good weather and plan on never needing medical care. As a result, consider taking medical payments out of your motorcycle insurance policy.

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Uninsured motorist coverage

If you’re in an accident and it’s not your fault, uninsured motorist coverage protects you from financial loss. For example, if you were hit by a driver who had no insurance. Your policy would cover any medical expenses and lost wages caused by the crash. Motorcycles cost a lot less than cars to repair or replace. So you might choose to carry higher limits on property damage than if you drive a car.


Ultimately, motorcycle insurance policies will depend on your motorcycle’s type and value. You may want to consider comprehensive coverage to protect your bike in case it’s stolen or damaged. If you’re only using your motorcycle for pleasure, then accident-only insurance may suffice. When shopping for your policy. It’s important to ask questions about coverage types and limits before you agree to a policy. You don’t want to find out too late that you don’t have enough coverage in case something goes wrong.

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