Owning a motorcycle comes with a sense of freedom and adventure, but exploring the open road also comes with risks. Luckily, motorcycle insurance offers coverage to protect both you and your vehicle. Here's a closer look at the benefits it provides.

3 Benefits of Motorcycle Insurance

1. Avoid High Out-of-Pocket Liability Costs

Accidents are one of the biggest concerns of driving a motorcycle. If you’re responsible for an accident, you could be responsible for the other party's medical expenses and vehicle repair costs. There may also be property repair costs associated with relatively minor accidents, such as if you collide with a fence or back up into a parked vehicle. In these situations, the liability coverage of your policy comes into play by covering the costs of claims related to approved incidents.

2. Financial Security in a Collision

Motorcycles are at risk for serious damage in accidents, especially when the other party is driving a much larger and heavier automobile. Collision coverage in a motorcycle insurance policy is designed to help cover the costs of repairs or replacement, regardless of who’s found to be at fault. If the accident is caused by a driver without insurance or a policy with limits that aren’t high enough, your plan's uninsured or underinsured coverage helps with the additional costs.

3. Protection Against Theft & Weather-Related Damage

Collisions aren't the only threat to your vehicle. There are over 40,000 motorcycle thefts every year. In addition, your motorcycle is at risk for storm damage as a result of hail, wind, and ice. Fortunately, comprehensive coverage offers financial protection in these situations, allowing you to avoid the stress and hassle of paying out of pocket.

Keep yourself and your motorcycle protected with the help of The Insurance Exchange in Kalispell, MT. This independent insurance agency is dedicated to matching residents across Flathead Valley with dependable policies and affordable rates. Visit the locally-owned business online to learn more about their service offerings or request a motorcycle insurance quote today at (406) 756-2500.