One of the questions that we at Moon – Baker Insurance Agency Inc., serving the greater Ada OK area, are asked is what types of items are covered by motorcycle insurance. We are often asked if motorcycle insurance includes things like motorized bikes, dirt bikes and mopeds. If you are looking to insure something that is not exactly a motorcycle, but may be classified as one, you will want to read on to learn more about this topic.
Does Motorcycle Insurance Cover Dirt Bikes?
Most insurance policies allow any type of motorized bike to be classified as a motorcycle for the purposes of insuring the bike. This includes motorized bikes, mopeds, dirt bikes and in some cases, even motorized scooters. However, every single insurance company is different and the policies offered are different. While most do cover a dirt bike under a motorcycle policy, others will only cover it if the bike has the power to exceed 35 miles per hour and has a certain horsepower. If it does not meet these requirements, it may be insured under a toy insurance policy, rather than a motorcycle insurance policy.
Another factor that may be looked at when determining whether your dirt bike can be covered under a motorcycle or toy insurance policy is whether the bike is street legal. If the bike is street legal and can be registered in your state, a motorcycle insurance policy may be appropriate. However, if your bike is not street legal, a toy insurance policy may be the preferred type of insurance.
If you are looking to obtain a new motorcycle insurance policy, in the greater Ada OK area, to cover a motorcycle, dirt bike or moped, contact Moon – Baker Insurance Agency Inc. We can help you determine whether your bike qualifies for insurance coverage and which type of policy will best meet your needs.