If you’ve never owned a motorcycle before, you might not be aware of how regulations for motorcycles differ from those for cars and trucks. Motorcycle insurance and auto insurance have some similarities, but they are different in a few key ways. Read on to learn more about insurance coverage for motorcycles and automobiles.
Understanding Auto & Motorcycle Coverage
What Does Auto Insurance Cover?
There are several types of car insurance, each designed to reduce or cover the various costs that may be incurred in an auto accident. Personal injury protection covers bodily harm suffered by you and your passengers, while collision coverage applies to damage to your car or truck.
When you’re found to be at fault in a wreck that involves another vehicle, liability coverage applies to repair or replacement expenses for the other party’s vehicle and medical expenses for their bodily injuries. It also may cover other property damaged in the accident, such as fences and structures. Auto insurance policies can be customized to include coverage for damage caused by an uninsured or under-insured motorist, protection against theft and vandalism, and other perks such as roadside assistance.
What Does Motorcycle Insurance Cover?
Insurance coverage is based on cost and risk. A motorcycle usually costs less than a car, but it presents a higher risk of an accident, causing damage to the vehicle and injury to the driver and any passengers. For this reason, standard motorcycle insurance policies do not include personal injury protection for the driver or passengers, so there is no compensation unless another party is shown to be at fault — which can be tricky to prove, especially if the accident happens in a “no-fault” state.
Fortunately, an insurance agent can customize your policy to provide coverage for a wide range of scenarios, including bodily injury, theft, vandalism, and damage caused by an uninsured or under-insured motorist. You may even be able to reduce your overall insurance costs by having a “lay-up” policy that suspends most of your coverage during long periods of disuse.
Goggans Insurance in Scottsboro, AL, has been providing reliable insurance solutions for over 30 years. Whether you’re looking for auto or motorcycle insurance, home or farm insurance, or business insurance, their team will work with you to find the coverage that best meets your needs. Call (256) 574-3440 today to request a quote, or visit their website to learn more about the insurance products they offer.