4 Areas Covered by Motorcycle Insurance

If you are a motorcycle enthusiast, you already know the fun, the open-door adventure and the ultimate freedom of hopping on the bike. But I believe you also know the safety risks it poses. Yes, you’ve purchased all the protective gear, but that may not be enough in an unthinkable event. That said, motorcycle insurance is a significant consideration as long as you want to enjoy your bike. It’s the best deal that offers financial protection for you and your bike.

That said, choosing the right insurance coverage is like choosing the right bike. You certainly want a policy that fits your lifestyle and needs. To help you find the best, Heaton Bennett Insurance has prepared the four common areas covered by motorcycle insurance.

Liability coverage

The state of Texas requires that you carry at least liability coverage for you to be on the road with your bike. Liability coverage covers property damage and bodily injury sustained by others if you are at fault for an accident. 

Collision coverage

Motorcycle collision coverage will reimburse the damages caused to your bike if you get involved in a collision with another vehicle or a stationary object. This way, you won’t incur out-of-pocket repairs when your bike is damaged.

Protection from non-collision risks

Motorcycle insurance doesn’t protect your bike on the road only. Comprehensive coverage pays for the physical damage or loss to your bike by non-collision perils like vandalism, falling objects, theft, fire, and natural disasters.  

Uninsured and underinsured motorist coverage

Even with the law stating that all motorists must carry liability insurance, you will still find some who drive uninsured or with inadequate insurance. Luckily, motorcycle insurance pays for the resulting bike damages, lost wages in some cases and medical expenses should you collide with an at-fault uninsured motorist.

Motorcycle insurance in Austin, TX

If you are involved in an accident, you will be glad you had insured your bike. The aftermath costs and hustle after the accident makes motorcycle insurance a worthwhile investment. Ready for your motorcycle insurance? Don’t hesitate to get in touch with Heaton Bennett Insurance for an affordable quote.