From mountainous regions to rural towns, motorcycles have become popular modes of transportation across the nation. They’re typically more cost effective to operate than a vehicle, and feeling the wind rush through your hair as you navigate the open road sends a rush of exhilaration. However, riders are also exposed to significant risk. Thus, if you own a motorcycle or you’re thinking about buying one, it’s to your benefit to discuss coverage options with a knowledgeable insurance agent. While a basic policy will meet the state’s minimum requirement, the following information explains the advantages of being insured for more than you’re legally obligated to carry.

How Motorcycle Insurance Is Beneficial 

1. Liability Protection 

If you cause an accident involving another motorist, the liability portion of your motorcycle insurance policy will cover the costs of any bodily injuries or property damage they incur. These expenses can escalate quickly, and if you aren’t properly protected, you could end up having to pay thousands of dollars out of pocket. 

2. Funds to Repair or Replace Your Bike 

Motorcycle insurance can also cover your own investment. Having your insurance agent add collision and comprehensive coverage to your policy will provide the funds to repair or replace your bike if it’s damaged or stolen. Without adequate insurance, you may not have the available finances to take care of these expenses and get back out on the road. 

3. Medical Coverage for Injuries

Motorcyclists are vulnerable to extensive injuries if they’re involved in a collision since they lack the protection of a vehicle surrounding them. If you sustain severe injuries while riding, the associated bills for medical treatment can add up to a substantial amount. If you miss work because of your injuries, you’ll also have to consider lost wages. An insurance policy will cover these costs and help prevent you from facing financial hardship. 

4. Roadside Assistance

Getting stranded on the side of the road can be a scary and dangerous experience. Roadside assistance is another type of coverage you can ask your insurance agent to include in your policy, and it will provide immediate help. It will pay to have your motorcycle towed after an accident or if you break down due to mechanical issues. 

If you’re looking for quality motorcycle coverage at a competitive price, contact Tim Bryan Insurance. As an insurance agent with State Farm, he can provide you with dependable coverage from one of the industry’s leading carriers. He has helped numerous riders throughout the Andalusia, AL, community design policies tailored to their specific needs. Call (334) 222-1460 to request a quote, or visit his website for directions to his office.