Motorcycle Insurance

All motorcycles on the road are required by law to have motorcycle insurance. Motorcycle insurance protects a motorcycle and its owner in the event of a loss. The term motorcycle policy encompasses motorcycles, scooters, mopeds, snowmobiles, ATVs, and golf carts. A homeowner's policy never covers physical damage on a motorcycle; however, endorsements are available on some policies for ATV's and golf carts but you will have to check with your carrier to find out if it is available. Motorcycle insurance has your typical coverage plus it has some specialized coverage that you may not be familiar with. Standard Motorcycle Coverages Bodily injury & property damage liability Uninsured Motorcyclist Medical Pay Comprehensive Collision Aside from the standard set of coverage on motorcycle policies, companies often offer specialized coverage. Specialized coverage can really come in handy at the time of loss. Things you may not think of prior to a claim such as accessory coverage and trip interruption can be costly if you do not have the coverage included on your motorcycle policy.