Motorcyclist Need to Have Motorcycle Insurance
Motorcycles are easy to steal, they do not have protection devices like seat belts or air bags, and they are hard for other motorist to see on the road making motorcyclist prone to getting into accidents. These are just some of the reasons why people who ride motorcycles need motorcycle insurance. Motorcycle insurance can offer financial compensation to a motorcyclist who is involved in an accident or their motorcycle has been stolen or damaged. It can also provide liability coverage if the motorcyclist is the cause of an injury to another person or property damage.
The amount of insurance a motorcyclist will need will depend on the type of motorcycle the rider has and what the motorcycle will be used for. Fast bikes with a high horsepower-to-weight ratio will have higher insurance costs slower heavier bikes. Also, bikes that are used primarily for racing, like dirt bikes, will need higher levels of liability insurance than bikes that are primarily used to get to and from work.
Motorcycle coverage is available for:
• Custom motorcycles and chopper
• Classic motorcycles
• Harley Davidson
• Dirt, street and sport bikes
• Scooters and mopeds
Motorcycle coverage functions in the same way as car insurance in that it protects the rider from financial loss. After the deductible is paid, motorcycle coverage can pay the cost to replace or repair the motorcycle, help pay medical or hospital costs for the injured rider and cover some of the legal costs in a liability suit. Depending on the coverage, a passenger or a person who borrowed the motorcycle may also be covered in the event of an accident.
Every state in the US, including the District of Columbia, requires motorcyclist to have a certain amount of coverage. Make sure to talk to a local agent who is experienced in providing motorcycle coverage, knows the state’s requirements and can provide customized coverage that is appropriate for the needs of the motorcyclist.