Motorcycle Insurance

Protect Your Ride With Motorcycle Insurance

Motorcycle insurance is not a choice! You will need a policy in order to drive legally. Like car insurance, liability coverage is mandatory. Additional coverages like collision and comprehensive are optional and can be purchased for an additional premium. Some insurance companies also offer optional coverages and/or packages like roadside assistance, trip interruption, etc.

A standard motorcycle insurance policy will cover some portion of the costs associated with damage to your bike. It will also provide compensation in the event that you cause harm 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 you 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 motorist’s 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
  • Roadside service
  • Trip interruption

When choosing your preferred coverage levels, you will need to 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.

Not all motorcycle insurance policies are the same. Selecting the right coverage can be daunting, especially if it is your first time purchasing motorcycle coverage. Contact Westrock today to get an affordable policy with the best possible coverage.