Motorcycle Insurance

 Common coverages include:

• Liability (bodily injury & property damage): Covers damages and medical costs if you’re at fault.
   
• Collision: Pays for damage to your bike in an accident, regardless of fault.
   
• Comprehensive: Covers non-collision events like theft, vandalism, fire, or animal strikes.
   
• Uninsured/Underinsured Motorist (UM/UIM): Protects you if an at-fault rider lacks insurance or sufficient coverage.
   
• Medical Payments (MedPay): Covers medical costs for you and passengers after an accident, regardless of fault.
   
• Accessories & gear coverage: Optional coverage for custom parts, riding apparel, and accessories.

 Yes. Most states require at least liability coverage to operate legally. The minimum requirements vary, but riding uninsured can result in fines, license suspension, or other penalties.  

 Motorcycles inherently carry higher risk due to limited protection and visibility. Motorcycle policies often include options for apparel coverage, custom parts, and seasonal use—features not typical in auto policies. 

 It varies based on your riding history, location, bike type, and the coverage you select. Completing a recognized safety course, bundling policies, and keeping a clean record can help lower premiums. 

 Absolutely. Common add-ons include:

• Roadside Assistance or Trip Interruption
   
• Agreed Value / Total Loss Replacement
   
• Helmet & Leather Gear Protection
   
• Legal Expenses
• Personal Injury / Disability Benefits

These extras give comprehensive peace of mind wherever you ride.