When you are first getting your license as a new motorcycle rider, the question “Why do I need motorcycle insurance?” may come up. You are probably aware that you are required by law to get a minimum level of coverage as a motorcyclist and that you can get in more trouble for not having it, so why do I need motorcycle insurance? The purpose of this article is to help you understand why do I need motorcycle insurance and how to choose the right policy for you.
There are a lot of different types of motorcycle insurance out there. Some policies cover only injuries, others pay for damages to your bike and some will even provide medical care if you are injured. So why do you need all these different types of insurance? To help with this question you need to understand what each type covers. So let’s take a look at the major types of motorcycle insurance available to you.
Liability Motorcycle Insurance
Most people know that they need liability motorcycle insurance because it will cover them in case they injure someone else while on the road. Liability insurance is most often required for those riders above 16 years old and also will usually cover you if you hit or hurt someone else, even if it was your fault. However, if you have a good record and you have not been involved in an accident in the past three years you may be able to get a non-liability policy called a “no-fault” policy. This type of policy is also good for younger drivers who have not gotten any tickets or wrecks and will be the cheapest policy for you.
Medical insurance is the next most important type of insurance that you should have. If you are hurt in an accident and require hospital treatment, it is very possible that you will have to pay all or part of the bill. Medical insurance will pay for all or part of the bills for the injured person and their family. This policy is usually a requirement when you sign up for a full coverage policy.
The next policy to cover is comprehensive motorcycle insurance. This is the most common type of insurance that you will see on a motorcycle. This kind of policy will help protect your bike if it is damaged by fire, water, hail, vandalism, wind, snow, ice, or even a collision with another vehicle. This policy will also cover your medical expenses if you are injured in a crash.
Uninsured Motorist Insurance
The third type of insurance you will need to have is uninsured motorist insurance. In order to legally drive a motorcycle in California, you must have this type of insurance. Basically this policy protects you in case you are in an accident with someone who does not have insurance. This policy will also cover the medical expenses and damages caused to others if you are the one who is at fault in the accident. As you can see, you need this type of motorcycle insurance if you want to drive legally.
There are many different types of insurance available to you. You should compare each insurance company you are interested in for prices, policies, discounts, and features. You can get quotes online, talk to insurance brokers, visit the office of your insurance company, or fill out a policy with a broker. When comparing motorcycle insurance it is important to find the policy that fits your needs and costs the least.
In this article we explored three types of insurance you may want to consider for yourself or for your motorcycle. We mentioned motorcyclists, fire and water, and uninsured motorists. It is important that you purchase these policies if you want to be legal to drive in California. Do you need motorcycle insurance? Make sure to get the best rates and coverage that you can afford.
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