If you ride a motorcycle, the right insurance plan will protect you and others on the road. Some coverages are required by your state, while others will be optional. Finding the right policy for your lifestyle and riding habits can feel overwhelming. Use the following guide to learn about the types of motorcycle insurance coverage to consider.

What to Know About Motorcycle Insurance

1. Liability

This coverage is mandatory for riders in most states, as it helps protect other parties involved in an accident. Liability coverage usually has two separate limits: an amount that will apply to property damage and an amount that will cover bodily injury. This coverage doesn’t apply to you or your bike, it is used for injuries to others or damage to their property.

2. Collision

Protect your bike with collision insurance. If you’re involved in an accident, you’ll just have to pay your deductible. The rest of the expenses for repairing or replacing the motorcycle will be covered by the policy.

3. Comprehensive

For even more thorough motorcycle protection, consider a comprehensive coverage. While collision coverage will apply in the event of an accident, a comprehensive plan can protect you from other sources of harm.

For example, if your bike is stolen, the policy can help you pay for a replacement. A comprehensive plan can even cover damage caused by a hailstorm or animal collision.

4. Uninsured/Underinsured Motorist Coverage

UM coverage pays for damages to you and/or your property if you are hit by a driver that has no insurance (uninsured) or does not have adequate insurance limits (underinsured).  It can cover medical bills, lost wages, and, in some cases, property damage.

Need help assessing which motorcycle insurance policies are best for you? Consolidated Agency, Inc. in Rochester, NY, will help you find coverage that’s right for your needs. For over 30 years, they’ve helped people find home, auto, and commercial insurance plans from the nation’s top providers. To learn more about their services, visit their website. Call (585) 467-4110 to request a quote, or like them on Facebook for updates.