Are you about to purchase a motorcycle? If so, there's a bit of preparation you'll need to do. One aspect of this includes getting motorcycle insurance that will suit your needs. It would be a good idea to talk to an expert agent from Ambassador Insurance Midwest about your options.
Here are a few of the most common questions about motorcycle insurance.
Do I really need insurance for a motorcycle?
If you plan to ride your motorcycle, yes, you'll need to have insurance for it. This is separate from auto insurance, so it won't extend to protecting your motorcycle as well. In every state, it's required that you at least have minimum liability insurance so that you'll be able to compensate the other party if you cause injury to them or damage to their vehicle or other property.
How much coverage will I get?
The amounts of coverage differ depending on what policy you have, so you must talk to your agent about this early on. They start at a base amount, and you can request additional coverage to whatever amount is ideal.
What are collision and comprehensive insurance, and should I have them?
Like the name implies, collision insurance covers you if you get into a collision on your motorcycle and hit another vehicle or object. You can use this for repairs on your motorcycle. It doesn't pay for your medical bills or for damages to property you hit. Comprehensive covers damages that are not the result of a collision, such as theft, vandalism, or if it's hit by a falling object (even including hail).
There is much more to motorcycle insurance, and that's why it's beneficial to talk to a professional agent like those at Ambassador Insurance Midwest. Reach out with your questions and concerns today, and we'll do our best to explain.