You own a car and a motorcycle. It may be tempting to think that your automobile insurance will provide coverage if you are involved in a collision on your motorcycle. After all, your automobile insurance covers you when you’re behind the wheel of someone else’s car or a rental car, so why wouldn’t it cover you while driving your motorcycle?
Automobile Insurance Doesn’t Cover Motorcycles
In order to legally ride your motorcycle in Ada, OK, you must have a separate insurance policy for your motorcycle that lists you and any other rider who might use it. Your automobile insurance doesn’t cover injuries or damage to your motorcycle, and you won’t have liability coverage. In the event of an accident, you would be responsible for all damages.
Motorcycle Insurance Coverage is Different From Car Insurance
Statistics show that, in the event of a collision between a motor vehicle and a motorcycle, the brunt of the damage is sustained by the motorcycle rider, so you need and insurance policy which covers medical expenses, repairs to your motorcycle, as well as coverage for lost time at work.
When looking at motorcycle insurance coverage, Moon – Baker Insurance Agency Inc. recommends you look for the following:
Whether you collide with another vehicle or have an accident on a slick Ada, OK road, significant damage can be done to your motorcycle. You need a policy that will repair your motorcycle’s damage.
Most motorcycle accidents are the other driver’s fault, but it’s still imperative that you maintain adequate liability coverage. Your motorcycle may not cause as much damage as other motor vehicles, but you could hit a bicyclist or pedestrian. Protect your assets by purchasing liability coverage similar to your car insurance amounts.
What will you do if your motorcycle is stolen, consumed in a fire or damaged by water? Collision and liability coverage will not cover these events.
Unless your health insurance will cover your medical bills, you need medical payment coverage in order to ensure you get the treatment you need if you suffer personal injury in an accident.
For more information about how to determine the motorcycle coverage you need, or for answers to questions about your automobile insurance coverage, call Moon – Baker Insurance Agency Inc. today.