Did you trade your car in for a motorcycle? Or do you have one to unwind on the weekends, cruising down the highway and riding all your worries away? If you own a motorcycle, be sure you understand that motorcycle insurance is different than automobile insurance. So, don’t create more worries – get the right insurance coverage for your all of your motorized vehicles!

Motorcycle insurance provides financial protection in the event of a motorcycle accident, loss, theft or damage. Motorcycle insurance includes liability coverage in case you are responsible for another person’s injuries or property damage. These policies provide coverage for motorcycles, choppers, fast street bikes, mopeds, and even Segways.

If you have just purchased a motorcycle, or have owned one for a while and are considering changing insurance providers, you may have several questions.  Do you wonder what motorcycle insurance will cover, and what financial risks you face in the event of an accident? You can get your questions answered by one of our local professionals who understands the requirements in Washington State, and will get to know you and your coverage needs.

What Does Motorcycle Insurance Cover?

A standard motorcycle insurance policy will cover some portion of the costs associated with damage to your bike.  It will also provide compensation if you cause harm to another person or their property or have legal fees to pay an accident. Known as “bodily injury and property damage liability,” your motorcycle liability insurance covers the cost of liability claims and legal fees, up to the limits of your policy, if are at fault in an accident.

You can customize your policy to cover the following:

• Full replacement cost of your bike, in the event that it is totaled
• Comprehensive coverage, which will pay for loss or damage due to causes “other than collision.” This includes hail and other weather damage, damage from animals, and most importantly motorcycle theft
• Medical payments, in the event that you require hospitalization or medical care
• Uninsured/underinsured motorists coverage, in the event that another driver is at fault in an accident and does not have adequate insurance to pay your costs
• Damage or loss to your gear and upgrades, such as transport trailers, sidecars, custom exhaust equipment, and safety apparel like chaps and helmets

When you choose what you want your motorcycle insurance to cover, find a balance between protecting yourself against the risks you face and what you can budget for coverage. The good news is that there are many ways to save on your motorcycle insurance if you are a safe rider with a good driving record.

How Much Motorcycle Insurance Do You Need?

The amount of motorcycle insurance that you need depends on the type of bike you own and how you plan to use it. For example, if you plan on racing dirt bikes for fun, you may want to consider increasing your coverage as well. The close-quarters racing and crowded tracks can put you at greater risk of injury, damage to your bike, and an increased risk of causing injury to a competitor or damaging someone else’s equipment.

Motorcycle insurance requirements vary by state. If you are looking for motorcycle insurance in Washington State, our licensed professionals can help you craft a motorcycle policy that best protects you and your financial well-being. Contact us today for a quote!