The Ins and Outs of Motorcycle Coverage
As with most vehicles, some form of damage coverage is essential for motorcycles, with a minimum level of coverage enforced in many states. Motorcycles are especially vulnerable to damage and accidents, making coverage like insurance vital.
Motorcycle coverage comes in multiple forms. Insurance coverage covers not only for injury sustained from accidents but also fire, theft, damages, and legal liabilities. Vehicle service contracts, meanwhile, mainly include repairs and are typically used for out-of-warranty vehicles.
Among the first things that motorcyclists would encounter when applying for insurance is to determine what they would be using their motorcycles for, which would influence the type of coverage they would need to receive. This is due to the various risks they might encounter in different situations. Most coverage products would often make distinctions between on-road motorcycles and dirt bikes, and in some cases, for light motorcycles like mopeds and scooters.
A motorcycle used for commuting would not always be exposed to the same level of accident risks experienced by motorcycles used for leisure but may need additional insurance coverage in the event of a collision with a pedestrian or motorist.
Likewise, while these accidents are rare in off-road motorcycles, their risk of wear-and-tear, associated with use in uneven terrain, mean that repair coverage should take precedence.
Selection matters. Modified vehicles, for instance, are considered very risky by some coverage providers and should be avoided by motorcyclists who are unwilling to pay the subsequent steep premiums. Older bikes tend to cost less to insure but may also need additional coverage for repairs.
Visit the American Auto Shield website for more information on its vehicle service contracts for motorcycles and dirt bikes.
Motorcycle coverage comes in multiple forms. Insurance coverage covers not only for injury sustained from accidents but also fire, theft, damages, and legal liabilities. Vehicle service contracts, meanwhile, mainly include repairs and are typically used for out-of-warranty vehicles.
Image source: americanautoshield.com
Among the first things that motorcyclists would encounter when applying for insurance is to determine what they would be using their motorcycles for, which would influence the type of coverage they would need to receive. This is due to the various risks they might encounter in different situations. Most coverage products would often make distinctions between on-road motorcycles and dirt bikes, and in some cases, for light motorcycles like mopeds and scooters.
A motorcycle used for commuting would not always be exposed to the same level of accident risks experienced by motorcycles used for leisure but may need additional insurance coverage in the event of a collision with a pedestrian or motorist.
Likewise, while these accidents are rare in off-road motorcycles, their risk of wear-and-tear, associated with use in uneven terrain, mean that repair coverage should take precedence.
Image source: americanautoshield.com
Selection matters. Modified vehicles, for instance, are considered very risky by some coverage providers and should be avoided by motorcyclists who are unwilling to pay the subsequent steep premiums. Older bikes tend to cost less to insure but may also need additional coverage for repairs.
Visit the American Auto Shield website for more information on its vehicle service contracts for motorcycles and dirt bikes.
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