Every state has their own rules for how much coverage you'll need.
Every state has their own rules for how much coverage you’ll need. But generally, riders are required to have bodily injury and property damage coverage. Those sound pretty important … because they are! If you’re ever at-fault in an accident, bodily injury and property damage will mean you might not have to foot the bill (depending on your deductible and limits) for the other driver’s medical bills or car repairs — or other stuff that gets damaged, like their fence. Other coverages, like comprehensive and collision (which are optional) could help repair YOUR bike if it’s damaged in an accident … or even if it’s hit by a wayward tree branch or a nasty hail storm.
Our motorcycle insurance will keep you protected and give you year-round peace of mind, whether your bike is on the road or in storage during the winter months. Request a free motorcycle insurance quote and get coverage tailored to your unique riding needs and budget. Why motorcycle insurance is so important Motorcycle insurance is a great idea for a number of reasons. It protects riders and bikes in six critical ways:
Why motorcycle insurance is so important Motorcycle insurance is a great idea for a number of reasons. It protects riders and bikes in six critical ways:Rates are based on year-round coverage Pays medical bills for injuries Covers damage to the bike Offers liability protection for injuries to other people Covers damage to other vehicles in a collision Provides total loss coverage
INSURANCE FOR YOUR MOTORCYCLE OR SCOOTER.
Whether it’s your main transportation or your weekend ride, an Allstate motorcycle insurance policy may help protect your bike or scooter . From headlight to tail light, it’s important to make sure you and your ride are covered. In many states, some minimum coverages may even be required before you hit the road. An Allstate motorcycle policy can help you protect your bike or scooter with:
What changes between each state’s auto insurance requirements is how much of each type of coverage is needed. Both bodily injury and property damage liability coverage is required in almost every state, and some states require personal injury protection and uninsured motorist coverage as well. Each state also has its own minimum liability limits, presented as bodily injury limit for a single person, bodily injury limit on the entire accident, and property damage limit.
Liability Coverage : Required in most states, liability coverage may help pay for another person’s medical bills or property repairs if you cause an accident while on your scooter or motorcycle.
Collision Coverage : This coverage may help pay to repair or replace your motorcycle or scooter if it is damaged in a collision with another vehicle or object.
Comprehensive Coverage : If your motorcycle or scooter incurs damage due to incidents such as fire, theft or vandalism, comprehensive coverage may help pay for repairs or replacement.
Uninsured/Underinsured Motorist Coverage : If your bike or scooter is hit by a driver who doesn’t have insurance or enough coverage to pay for repairs to your bike, uninsured and underinsured motorist coverage may help pay the related repair costs.
If you have questions about insuring your scooter or motorcycle or want to be sure you have the coverage required in your state, a local Allstate agent can help.
Medical payments coverage can help pay for medical costs if you or your passenger are injured in a motorcycle accident. Motorcycle medical payments coverage typically covers expenses such as:
- Health insurance deductibles
- Dental Expenses
- Home care
Medical payments coverage typically does not cover expenses related to injuries to others from an accident you cause unless they are riding on your motorcycle with you at the time. Your motorcycle policy’s bodily injury liability coverage typically protects you against liability for injuries to people other than your passengers from an accident you cause.
One thing you may want to consider if you’re thinking about buying a motorcycle insurance policy with medical payments coverage is the limit, or the maximum amount of money your insurance company will pay toward costs covered by this type of protection. Purchasing coverage with higher limits may cause your premiums to increase, but you may want to consider whether you would be able to afford medical costs in the event that you’re injured in a motorcycle accident. Additionally, in some states, because motorcycle medical payments coverage may begin to pay only after your primary health insurance coverage limits are exhausted, the higher premiums associated with raising your medical payments coverage limits may not be as high.
PERSONAL INJURY PROTECTION FOR MOTORCYCLISTS
Personal injury protection may be available to drivers in states with no-fault insurance laws , meaning that a driver’s insurance provider covers damages incurred to the insured in an accident, regardless of who is at fault. PIP typically covers medical and other associated costs after a motorcycle accident for you as the rider, your passenger. Covered expenses may include:
- Doctor bills
- Lost wages
- Hospital stays
Childcare Funeral expenses PIP varies by state and typically will pay lost wages where medical payments coverage may not. Consider checking your specific policy to understand your specific coverage. No matter how much or how little coverage your state laws require, ensure you have as much insurance as you need. This may include medical payments coverage or, if available in your state, PIP.