There’s no way around it: Anytime you’re on the road, there’s a chance you might get injured. One of the most important things you can do is make sure your motorcycle insurance coverage can help with medical bills if you should get into an accident.
Medical Payments typically covers reasonable and necessary medical expenses that are the result of any injury to you or your passengers. Some examples of expenses that might be covered include ambulance, hospital, x-ray, dental, and surgical.
Personal Injury Protection
If you’re hurt in an accident, or worse, expenses could add up faster than you imagine. That’s where this coverage can help, with reimbursements for:
Medical and hospital expenses
Services you would normally do yourself
Child care expenses
You’re typically covered regardless of who was at fault. Personal Injury Protection is only available in certain states.
Take care of your bike and it’ll take care of you, right? There are three kinds of motorcycle insurance coverage that typically help get your bike back on the road.
A collision almost always means damage to your motorcycle. And that’s just what this coverage is for.
It typically covers damages to your motorcycle that result from a collision with another object, which could include another car or motorcycle, a tree, or a building.
It doesn’t always take two vehicles to make an accident. Comprehensive Coverage typically covers your bike if it’s damaged by:
Some other reasons that doesn’t involve a crash with another vehicle
You get to choose the amount of your deductible (the amount you pay before eligible coverage kicks in). Comprehensive Coverage typically covers the cost of repairing or replacing your bike, up to the actual cash value.
Uninsured/Underinsured Motorist Bodily Injury
If an accident isn’t your fault, you don’t want to pay for the other guy’s mistake. Especially if he doesn’t have enough insurance coverage or any at all. This coverage typically covers damages that result from the injury or death of you or a passenger on your motorcycle caused by an uninsured or underinsured driver. Different states have different requirements for which coverage to have and how much.
If you’re in an accident, there’s a good chance someone else was involved. And if you’re at fault, you’ll want strong motorcycle liability insurance.
Property Damage Liability
If you’re at fault in an accident and cause damage to others’ property, Property Damage Liability Coverage typically covers damages that result from the damage to another person’s property when you are at fault. Some of the things you may be liable for include vehicles, private residences, and storefronts and other structures.
Bodily Injury Liability*
If you’re at fault in a crash, it might be your responsibility to cover the medical bills for your passenger or the other driver. In a case like that, Bodily Injury Liability typically covers damages that result from the injury or death of another driver or a guest passenger on your motorcycle when you are at fault.
Some of the things you may be liable for include medical expenses, lost wages, and pain and suffering. (In most states, bodily injury to guest passengers on your motorcycle is automatically provided under this coverage. In other states, you can pay an additional premium so that Bodily Injury Liability also applies to guest passengers.)
*In some states, bodily injury to a passenger is covered separately under Passenger Liability coverage.