Ohio law requires every driver to carry a minimum amount of insurance, whether you are operating a full-size vehicle or motorcycle. While this policy is meant to pay for other people’s property damage or injuries if you cause an accident, it doesn't protect your bike from the hazards of the road. Instead, you should invest in full-coverage motorcycle insurance, as this compensates you for a variety of covered events. Below is more information about this type of policy.

What Does Full-Coverage Motorcycle Insurance Include?

When most people say “full coverage,” they’re actually referring to two separate policies: collision and comprehensive insurance. Together, these options provide an umbrella that shields you from a variety of common and uncommon perils.

For example, if you cause an accident, liability coverage pays to repair the other driver's vehicle but not your bike. Collision coverage closes this gap by repairing or replacing your motorcycle after an accident you caused. This policy also covers the cost if you bump into a pole or your bike slides out from under you on a curve.

Comprehensive insurance is designed to protect your bike from perils that aren’t related to an accident. This includes everything from hail damage and theft to animal activity and fire. For example, if a tree branch falls on your bike during a storm, your motorcycle insurance will pay for repairs.

What Are the Benefits?

Having full-coverage insurance helps you avoid expensive bills that stem from events that may be outside your control. Without it, you may not be able to repair your beloved bike if it’s totaled in an accident or vandalized by criminals. You might also have to dip into your savings account, which makes your financial goals harder to achieve.

Most lenders require bikers to carry both comprehensive and collision coverage to protect the value of their investment. However, even if you own the bike outright, full-coverage motorcycle insurance is a worthwhile investment to protect your financial health, as it ensures you can repair or replace it after a covered event.

As one of the leading insurance agencies in Fairfield, OH, 1st Choice Insurance offers high-quality, affordable coverage to motorcyclists throughout Hamilton, Butler, and Warren counties. Their independent agents work with a network of trusted carriers, giving them an extensive range of options. Visit the website for more on their motorcycle insurance services, and follow them on Facebook for tips and updates. Call (513) 860-0666 to request a free quote.