Most states within the US require everyone owning a motorcycle to have motorcycle insurance. But what exactly is it good for? A lack of understanding about exactly what your policy covers can lead you to unnecessary hassle later on, plus confusion about whether or not the coverage you have is what’s right for you.

Here are the three main things that are generally covered:

Accidents and Other Damage

Should your bike be damaged in an accident, a natural disaster, or even theft, your full coverage insurance policy will more than likely cover the cost of repairs minus your deductible. These types of policies are typically required by law and can be worth their weight in gold should your motorcycle receive serious damage.

Injuries to You or Your Passenger

Optional in some states and required in others, policies that cover the cost of medical bills for you or your passenger are invaluable. Should you be involved in an accident, regardless of who is at fault, these policies will cover the associated medical bills up to a certain limit, similar to health insurance.

Uninsured or Underinsured Motorists

It’s no secret that not every driver on the road is a responsible one. If another driver hits and injures you or your bike but does not have the proper insurance, it’s possible that your policy will pick up where theirs left off. This means you will never be stuck holding the bag for an accident that was not your fault.

Land Home Insurance Services is Here to Help!

Ensuring that you have the coverage you need isn’t hard with help from Land Home Insurance Services. Our team of agents can get you set up with a personalized policy at a great price. Give us a call today to get started!

If you have resided in another US state, you might celebrate the low minimum required insurance for your motorcycle in California. Land Home Insurance Services wants you to understand how the state’s low insurance mandate can hurt you though.

Mandated Motorcycle Insurance

In California, you only need to carry property damage and bodily injury coverage to comply with the law. Your bike policy must at least provide the following coverage:

• $5,000 for damage to personal property,
• $15,000 for bodily injury to or death of one person involved in an accident you cause,
• $30,000 for bodily injury to or death of all individuals involved in an accident you cause.

While that makes your insurance rather reasonable, it doesn’t fully cover you. For example, although your bodily injury coverage pays for $15,000 of medical bills for an individual since the typical night’s stay in a hospital costs about $8,000, just one day and night of medical treatment could exhaust your coverage. The law says that if police or the court finds you at fault for the accident, then you incur the liability for all medical and property damage.

If the person you hit with your bike required $50,000 of medical treatment, your insurance covers $15,000 of it. You pay the rest out of pocket. The court can garnish your paycheck and some government payments to pay this debt. So, carrying a reasonable amount of insurance offers a better solution.

Important Optional Insurance

The state-required coverage also does not cover your motorcycle or trike. If you wipe out a patch of black ice and tear up your bike, you need collision coverage for your insurance to pay for the damages. Otherwise, getting your bike fixed comes out of your pocket.

Add comprehensive coverage to protect your bike from California’s earthquakes, hail damage, and other natural hazards. If you ride out of state, your coverage goes with you, so your bike receives protection from Colorado wildfires, Oklahoma tornadoes, North Dakota snowstorms, and much more.

To protect your own health, choose personal injury protection (PIP) coverage. It pays for your medical bills regardless of who caused the accident. If you get hurt because a deer ran out in front of your trike, your PIP covers your medical bills.

Get Coverage For Your Motorcycle Today

Contact our team of insurance experts at Land Home Insurance Services to purchase full coverage motorcycle insurance. We can help you benefit through better coverage than the state minimums.