Motorcycle Insurance

Yes, most places require motorcycle insurance, including liability coverage, to operate on public roads. The specific coverage requirements vary by location.

Motorcycle insurance often includes liability (injuries or property damage you cause), collision (damage to your motorcycle in an accident), comprehensive (theft, vandalism, or weather damage), medical payments, and uninsured/underinsured motorist coverage.

Motorcycle insurance is specifically tailored for two-wheeled vehicles and includes coverage for unique risks, like injuries to the rider, gear protection, and optional roadside assistance for motorcycles.

Many policies offer limited coverage for custom parts and accessories, like saddlebags, custom paint, or handlebars. Additional coverage can be purchased if the value exceeds the included limits.

Costs depend on factors such as the type of bike, engine size, riding experience, usage (commuting or recreation), safety features, and your driving record.

Some policies provide coverage for riding gear, like helmets, jackets, and gloves, especially if damaged in an accident. Check your policy or add optional gear protection.

In most cases, motorcycle insurance covers other riders with your permission, but this varies by policy. Make sure the other rider has a valid license and meets your policy's terms.