Motorcycle Insurance: What Does It Cover?

Owning a motorcycle offers a unique sense of freedom and adventure, but it also entails certain responsibilities. Ensuring you have suitable coverage for yourself, your motorcycle and fellow road users is a key part of responsible riding.

Key Motorcycle Insurance Coverages

Motorcycle insurance policies in Missouri typically include several types of coverage. Here’s what you can expect:

• Liability coverage: State law requires all motorcycle owners to carry liability insurance. This coverage may help pay for injuries or property damage you may cause to others in an accident. Liability insurance is essential for meeting state requirements and maintaining financial security.
• Collision coverage: This coverage may help pay for repairs or replacement of your motorcycle if it’s damaged in an accident, regardless of who is at fault. This can be especially valuable if you have a newer or higher-value bike.
• Comprehensive coverage: This may cover your motorcycle from non-collision events, such as theft, vandalism, fire or weather-related damage. Local riders often choose this option for broader support.
• Uninsured/underinsured motorist coverage: If you’re involved in an accident with an at-fault driver who doesn’t have enough insurance, or any at all, this coverage can help pay for your injuries and damage. Given the number of uninsured drivers on the road, this coverage is an important consideration.
• Additional options coverage: Many policies may offer extras, such as medical payments coverage, roadside assistance and coverage for custom parts or accessories.

How We Help Missouri Riders

At Bargain Insurance Connection, we understand the unique needs of local motorcycle owners and help you find a policy that fits your budget and lifestyle. Contact us today to review your policy or get a free quote.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.