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Florence, AL 35630

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McBride Benefit Solutions Blog

Understanding the Basic Coverage Options for Motorcycle Insurance

If you ride a motorcycle, you need motorcycle insurance. Just like with automobiles, having the right insurance coverage can help protect you financially if you are involved in an accident or if someone steals your bike. But what exactly does motorcycle insurance cover? Here at McBride Benefit Solutions, we have put together a quick, comprehensive guide to help riders from the Florence, AL area know their options.

Protecting Yourself from Third-Party Claims

One of the main components of motorcycle insurance is liability coverage. This insurance protects you from financial loss if you are found responsible for injuring someone else or damaging their property while operating your motorcycle. In the event that you are sued for damages, your insurance will pay for legal fees and any damages you owe up to your policy limit.

Covering Damage to Your Bike in an Accident

Motorcycle insurance can also help you pay for repairs or replacement if your bike is damaged in an accident. Collision coverage can help cover the cost of repairs or replacement to your bike after a collision with another vehicle or object. Comprehensive coverage can protect against other types of damage like fire, theft, or vandalism.

Insuring Against Theft, Vandalism, and Other Risks

Many motorcycle owners invest a lot of time and money in their bikes, which can make them targets for theft or vandalism. Additional coverage options like theft or vandalism coverage can help protect your investment. It’s important to note that if you have a loan or lease on your motorcycle, your lender may require you to have this coverage.

Medical Payments, Uninsured/Underinsured Motorists, and More

In addition to the previously mentioned coverage options, motorcycle insurance also offers other forms of protection. Medical payments coverage can help pay for medical expenses for you or your passengers in the event of an accident. Uninsured/Underinsured motorist coverage can protect you financially if you are involved in an accident with someone who either doesn’t have insurance or doesn’t have enough insurance.

We Are Here To Help!

As you can see, there are many different types of coverage options available for motorcycle insurance. Choosing the right coverage for your motorcycle is important for ensuring that you are protected financially in the event of an accident or other damage. At McBride Benefit Solutions, our experienced agents can help you choose the right coverage options to meet your needs and budget. Contact us to learn more about coverage options for residents of the Florence, AL area. 

Partner Carriers

  • Aetna
  • Aflac
  • Beazley
  • Chubb
  • Cigna
  • Colonial Life
  • Dearborn
  • Foremost
  • Guardian
  • Hagerty
  • Liberty Mutual
  • Mutual of Omaha
  • National General
  • New Era Life
  • Openly
  • Orion 180
  • Principal
  • Progressive
  • SafeCo
  • State Auto
  • The Hartford
  • Travelers