Motorcycle Insurance Coverage Options
With the early spring flood waters receded, it is the perfect time to start enjoying the warm weather by jumping on your motorcycle! Before you strap on your helmet and buckle your boots, it is important to make sure that you are covered with the right motorcycle insurance policy. Keep these coverage basics in mind when looking for the right coverage for your specific needs.
- Collision – if you are involved in an accident with another vehicle, the collision portion of your motorcycle insurance policy will pay for the damages to your bike, after you pay your deductible.
- Liability – any property damage or personal injury that you cause to another person during an accident that is your fault, your liability coverage will cover the cost of the medical bills or repair bills. It is important to keep in mind that your liability coverage will not provide any protection for your own injuries or bike.
- Comprehensive – sometimes known as “other than collision” coverage, comprehensive coverage will pay for any damages that are done to your bike in an incident other than an accident, such as theft, fire, or falling objects.
- Personal injury protection – also known as PIP, this coverage will pay for the medical bills of you and any passengers who are injured during an accident, no matter who is found to be at fault. It will also pay for any funeral costs or lost wages that are incurred during the accident. Keep in mind that it will not provide any coverage for injuries that you cause to other drivers.
When looking for the right motorcycle insurance coverage, contact the insurance professionals at Dean Davis Insurance in Austin, Texas. We will work with you to make sure that you have the protection that you deserve, all at the right price to fit your budget.More