Frequency Asked Questions About Motorcycle Insurance

Motorcycle insurance typically covers damage or loss to your bike caused by accidents, theft, vandalism, and certain natural disasters. It may also include liability coverage for injuries or property damage you cause to others while riding.

Yes, motorcycle insurance is usually required by law in most states. Even if it's not mandated, having insurance protects you financially in case of accidents, theft, or other unexpected events.

The amount of coverage you need depends on factors like the value of your motorcycle, your riding habits, and your state's minimum insurance requirements. It's essential to have sufficient coverage to protect yourself and your assets.

Similar to car insurance, the cost of motorcycle insurance is influenced by factors such as your age, riding experience, the type of bike you own, where you live, your driving record, and the coverage options you choose.

Yes, most motorcycle insurance policies include coverage for passengers. However, the extent of coverage may vary depending on the policy and insurer.

Yes, many insurers offer discounts for factors like completing a motorcycle safety course, having a clean driving record, bundling multiple policies, belonging to certain organizations, or installing anti-theft devices on your bike.

Some motorcycle insurance policies offer coverage for custom parts, accessories, and modifications. However, you may need to purchase additional coverage or add endorsements to your policy to fully protect these items.

Yes, many insurance companies allow you to insure multiple motorcycles under the same policy, which can often result in savings compared to insuring each bike separately.

Motorcycle insurance typically covers motorcycles designed for on-road use. Coverage for off-road or recreational vehicles like dirt bikes, ATVs, or snowmobiles may require a separate insurance policy.

If you're involved in a motorcycle accident, prioritize your safety and the safety of others involved. Then, exchange information with any other parties, document the scene, and contact your insurance company as soon as possible to report the accident and initiate the claims process.