Motorcycle insurance coverage differs by state and could require different types of insurance depending on where you live. Motorcycle insurance is like motorist insurance because it provides replacement costs for your vehicle is it totaled and comprehensive coverage, as well as medical payments and other forms of coverage if you get into a motorcycle accident.
Here are some examples of what is covered for motorcycles:
The full replacement cost of your bike, if it is totaled from an accident.
Comprehensive coverage which will pay for loss or damage due to causes “other than collision.” This includes hail and other weather damage, damage from animals, and most importantly motorcycle theft.
Medical payments, if you require hospitalization or medical care your insurance will cover the costs for treatment if you do become injured.
Uninsured/underinsured motorist’s coverage
if another driver is at fault in an accident and does not have adequate insurance to pay your costs for uninsured/underinsured motorist’s coverage.
Damage or Loss
Damage or loss to your gear and upgrades, such as transport trailers, sidecars, custom exhaust equipment, and safety apparel like chaps and helmets.
The price of motorcycle insurance is also about $100 to $400 or more for the entire year.