Motorcycle Coverage Options

When it comes to motorcycle and auto insurance, nearly every state in the country requires at least liability insurance to be in place for all drivers, including motorcyclists. A liability insurance policy is required in the state of Michigan for motorcyclists. Still, there are other types of coverage you can opt for to protect yourself and the investment you have made in your bike. The agents at Agency Advantage Insurance serving the West Bloomfield, MI area want you to know about these options to make an informed decision about what types of motorcycle insurance you need.

What Does Motorcycle Insurance Cover?

There is an array of different coverage options when it comes to motorcycle insurance. Below are the four main types you can learn more about to determine if you need them for you and your situation.

Liability Motorcycle Insurance

This type of insurance is required for you to have, and it will help you pay the medical bills and property damage you cause in an accident.

Underinsured or Uninsured Motorist Coverage

The last thing you want to do is be involved in an accident, but it becomes even more difficult if you’re involved in an accident caused by a driver who has no insurance or lacks an appropriate amount of insurance. Underinsured and uninsured motorist coverage will help you repair your bike and pay for medical bills if you are injured.

Comprehensive and Collision Motorcycle Insurance

If you want your motorcycle to have the most coverage possible, consider collision and comprehensive insurance. Collision insurance helps you pay for damages that occur if you collide with something. In contrast, comprehensive insurance will help you pay to repair or replace your motorcycle if it is damaged in some unforeseen event. These types of events that are covered include natural disasters, fires, vandalism, or theft.

If you owe a lender for your motorcycle, you may already be required to have both collision and comprehensive insurance policies in place to protect the interest your lender has in your bike.

Contact Agency Advantage Insurance

The agents at Agency Advantage Insurance serving the West Bloomfield, MI area want to ensure you have the appropriate motorcycle insurance to protect you and your bike. Call today for an appointment.