Motorcycle Insurance

For some of us cars and motorcycles are the ways to commute. For others – it’s more, like a love affair, an obsession.

Driving a motorcycle is even more dangerous to our life, than if it was a vehicle: there are no seat belts, airbags, or any “walls or a roof” to ease an accident. The problem is: in a matter of seconds it may become a source of catastrophes: law suits, legal judgments, injuries, property damage, deaths.

That is why it is so important to set up a solid Motorcycle insurance, which can keep you from heavy financial losses. There are a few essential types of coverage and a few that you could skip:
– Bodily injury liability – covers “pain and suffering”, medical expenses, lost wages, funeral costs suffered by an injured party;
– Property damage liability – covers any property damage;
– Personal injury protection and medical payments – cover medical bills after an accident, regardless of fault. It also reimburses you for some of the lost wages and replacement services;
– Uninsured and underinsured coverage – covers “hit and run” cases and takes care of you, if another driver has too little coverage;
– Collision coverage – covers damages of your motorcycle from colliding with another object, regardless of fault;
– Comprehensive coverage – covers damages caused by wind, fire, vandalism, theft and more;
– towing/road assistance coverage;
– Loss of use/car rental coverage – covers costs for renting a car, while your motorcycle is being repaired.