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Home > Insurance Blog > Confused by motorcycle insurance? Here’s what coverage can do for you.
Finding the best way to protect your motorcycle is almost as important as protecting yourself while you’re on the road. With so many motorcycle insurance options, we can help you understand your motorcycle insurance coverage.
Dairyland® offers a variety of motorcycle insurance coverage options to meet your unique needs:
We’ll explore the benefits of motorcycle insurance coverage to help you decide what type of coverage is right for you.
One of the most common kinds of insurance is liability-only, which protects your wallet and helps pay for damage or injury you caused in an accident.
When you cause an accident and someone else gets hurt, bodily injury coverage can help you pay for their lost wages, medical bills, pain and suffering, and funeral expenses.
Even if you caused the accident, your bike may have been damaged, too. Collision coverage is an additional option that can help. We know it can be expensive to fix your motorcycle, and this coverage helps make sure those payments aren’t going to break the bank.
If you get in an accident, these options should make filing a claim—and everything that comes after—a little bit easier.
Sometimes your bike tips over, is hit with something, or is damaged during winter storage. All of those things are out of your control. If this happens, comprehensive coverage is there to make sure your motorcycle stays protected. This extra type of coverage isn’t usually covered under a typical liability-only insurance policy.
When your motorcycle is damaged, we know all you want is for your bike to ride (and look) as it did before. Physical damage plus coverage helps make sure your bike is getting the proper replacement parts after the original parts were damaged in an accident. Genuine, original manufacturer replacement parts will be used in the repair, as they should be.
Your bike is an extension of your personality—and that means you may have added extra equipment that typical insurance won’t cover. Optional/special equipment coverage helps protect against damage or loss of equipment that’s not factory standard.
If the worst happens to your motorcycle and it’s totaled in an accident, replacement cost coverage can help ease the financial burden of replacing your bike, if your bike is three years old or newer.
Unfortunately, accidents do happen, and they can cause real stress—especially if you or someone else gets hurt. To help cover injuries in an accident, there are a few options to choose from:
Whether you’re hit by an uninsured driver or an underinsured driver, there are options to make sure you stay protected:
If you leave your toolkit behind on a ride, we’re here to help. Aside from all of the insurance options offered, we also have roadside assistance to help with mechanical problems, electrical breakdown, an empty gas tank, dead battery, lost key, flat tire, or low fluids. We’ll even cover towing your bike to the nearest service station.
Dairyland also has options for when you plan a long ride and your bike is hit by another driver more than 100 miles from home. If you opt for trip interruption coverage, your insurance policy will help pay for some of the expenses surrounding the accident, including:
As soon as you think about buying a motorcycle, start exploring what kind of insurance is best for you and your investment. No matter what kind you ride, Dairyland can insure you and your bike.
The cost of motorcycle insurance varies depending on the options you need. If you’re still not sure what coverage is right for you, request a free Dairyland motorcycle insurance quote.
Check out our safety articles to make sure you’re doing everything you can to keep you and your motorcycle safe on the road.
At Dairyland, we feel strongly about your safety, and we promote that through our motorcycle rider safety course discount. Check out what you might be able to save today.
Article originally posted on www.dairylandinsurance.com(opens in new tab)
No matter what journey you’re on, we’re all driving down the same road. And we’re here to help protect you when you need us most. For decades, customers like you have trusted Dairyland® for:
We offer customized coverage, money-saving discounts, flexible payment options, SR22s, and outstanding customer service.
Contact Connor Insurance Agency today to experience the Dairyland® difference for yourself.
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