Before you hop on your bike and set off on the open road, you’ll need to secure the proper insurance policy. However, with a passion for speed and instant gratification, it can be a challenge to sit down and sift through the details. For a quick look at what a motorcycle insurance policy covers, use the following guide, so you can enjoy the journey ahead with peace of mind. 

What It Covers

The components of a conventional motorcycle insurance policy are just like car insurance: liability insurance for physical injuries and property damages. This means, if you damage another person’s bike or car, or injure someone else in an accident, your policy will front the cost for those expenses too. In some cases, the policy will also cover your own injuries and property damage, but this may incur an extra cost.

You can also purchase additional coverage to fill in the gaps. For example, a vintage motorcycle might have a much higher replacement value, since the parts are no longer being produced. Therefore, your insurance company would have to pitch in a lot more if you were in an accident.

What It Doesn’t Cover

The motorcycle insurance policy you secure is affixed to the bike you own. If you ride a friend’s motorcycle and get into an accident, your insurance provider may not pitch in for damages. If you use your motorcycle for a commercial purpose, such as delivering products for your small business, you won’t be insured for incidents that occur on the job.

Also, a standard motorcycle insurance policy won’t cover the items you take with you on your rides, such as the contents in your saddlebags or backpack. If you want to protect these items—such as your smartphone—you’ll need to add personal belongings coverage to your plan. This is especially important to add in case your backpack or bag falls off the bike while its in motion.

If you want to learn more about motorcycle insurance and how you can stay safe behind the handlebars, let Dewey Beckner: Allstate Insurance take the lead. This High Point, NC, agent has over two decades of experience helping area residents get the coverage and peace of mind they deserve. In addition to motorcycles, Mr. Beckner also offers car, life, home, and renter’s insurance, and he will ensure you receive an affordable price for the protection. To learn more about his services, visit the website. You can also call (336) 884-5636 to request a quote.