Few activities are more exhilarating than riding a motorcycle, but unfortunately, it comes with a higher risk of injury. Whether you ride occasionally or it’s your main mode of transportation, it’s important to have motorcycle insurance. This will protect you from paying high out-of-pocket costs for medical and repair bills in the event of an accident. Before you start shopping for a policy, the following guide will help you understand what you can expect to get out of your coverage.

What to Know About Motorcycle Insurance

What Does It Cover?

A standard motorcycle insurance policy will provide liability coverage to pay for injuries and property damage another party may sustain due to an accident you caused. It will also pay for your legal fees if you’re sued. Additionally, you can customize your policy to include several different types of coverage. Collision and comprehensive coverage will take care of repairing or replacing your own bike if it’s damaged or stolen. Uninsured/underinsured motorist coverage is another option that will protect you if you’re hit by someone who doesn’t have sufficient insurance to pay for your losses.

How Does It Work? 

Motorcycle insurance works much in the same way as auto insurance does, but there are a few differences. While passengers are automatically covered in vehicles, motorcyclists typically have to buy separate coverage for additional riders. Also, since there is a greater likelihood of sustaining serious injury, riders generally need higher limits on personal injury protection. If you don’t ride your bike year-round, some insurance companies will allow you to lay up your coverage during the winter months and pay a reduced premium. 

If you want to secure reliable motorcycle insurance at an affordable rate, turn to P.D.H Insurance Brokerage. They’ll help explore all your coverage options and determine which solution will best meet your needs. Backed by more than 30 years of experience, they provide the residents of Valley Stream, NY, with high-quality protection from some of the industry’s most reputable carriers. Call (516) 561-5227 to request a quote or visit them online to learn more about their services.