Liability Coverage – Your liability insurance will cover any property damage or bodily injury you cause to others in accidents. However, this protection doesn’t cover your motorcycle or your medical expenses. Ask your agent if your policy offers Guest Passenger Liability, which insures passengers injured on your motorcycle. This coverage will depend on your state’s laws and the particular insurer you choose.
Collision Coverage – Collision coverage compensates you if your motorcycle is damaged in a crash. Your insurer will pay for damages (after you pay your deductible) if you crash into a vehicle or a stationary object. Collision insurance typically covers your motorcycle’s “blue book” value (it’s resale value before the accident.
Comprehensive Coverage – Your comprehensive coverage will compensate you for damages from events other than collisions like thefts, vandalism, and fires. In a similar manner to collision insurance, your insurer pays for any damages and losses (after you pay your deductible) at your motorcycle’s blue book value.
Most collision and comprehensive policies only cover your factory standard motorcycle parts. If you choose optional accessories like custom paint jobs, chrome parts, sidecars, or trailers, you should get additional coverage for these features.
Underinsured/Uninsured Motorist Protection – Underinsured/Uninsured Motorist protection pays for any damages to you and your belongings that are caused by drivers without adequate insurance (underinsured) or without insurance altogether (uninsured).
Underinsured/Uninsured Motorist insurance typically covers lost wages, medical treatments, and other losses and damages. This coverage may or may not include property damage; ask your independent insurance agent for details. If your policy doesn’t include property damage, you will need to purchase it separately.