Nothing beats putting on a helmet, jumping on a motorcycle and cruising down the highway under a crystal blue sky. Having reliable motorcycle insurance before getting on the road provides much-needed protection should an accident occur. There are some key differences between the coverage and policies for cars and trucks. Here are answers to some of the common questions about motorcycle insurance.

Popular Questions About Motorcycle Insurance

What Does a Typical Policy Cover?

There are numerous policies available. Most states require liability insurance, which pays for damages caused by motorcycle riders that affect other drivers' vehicles, injuries, and property. A comprehensive and collision policy covers expenses to repair or replace the policyholder's bike. Specifically, comprehensive coverage involves claims not connected to vehicle accidents such as hail or tree limb damage. Other policies include coverage for at-fault drivers who have minimum or no motorcycle insurance.

Are Passengers Covered?

Most policies extend coverage to passengers. Should the motorcycle driver become involved in an accident and the passenger sustains injuries, a policy will typically pay for the medical expenses. Depending on the plan, coverage may also include wage loss while the injured passenger recovers and any legal filings.

Does Motorcycle Insurance Cover Theft?

If your motorcycle is stolen, most insurance policies will pay to replace it. Some carriers look at the current market value of the bike at the time of the theft. Others may pay the amount the policyholder paid for the motorcycle. An experienced broker can discuss including coverage on parts such as helmets and other bike accessories as well.

How Much Coverage Is Needed?

The answer often depends on the type of motorcycle. Racing bikes and others designed for speed will likely need a higher amount of liability insurance to cover medical expenses in case of an accident. Dirt bikes can also put drivers at an increased risk for accidents. Ultimately, the amount of coverage needed is also determined by the bike style and state requirements.

It’s essential to know all the nitty-gritty details of coverage before you invest in a bike. If you're a motorcycle owner or preparing to become one, let the team at P.D.H. Insurance Brokerage in Valley Stream, NY, get you affordable and comprehensive coverage. The team of motorcycle insurance brokers has extensive knowledge of state requirements. To learn more and request free, no-obligation rate quotes, call (516) 561-5227 today. Visit the website for information on the firm's complete lineup of policy options.