What Does Motorcycle Insurance Typically Cover?

Motorcycle insurance is an important part of riding, helping cover you, your bike and your financial well-being. At Baker Insurance Group Inc., our team is here to help you understand your coverage options.

Key Coverages in Motorcycle Insurance

Motorcycle insurance policies can be tailored to your needs, but most include several core coverages.

Liability Coverage

Liability coverage is a standard part of most motorcycle insurance policies and is required by law in many states, including Florida. Liability coverage may help pay for injuries or property damage you cause to others in an accident. It typically includes:

• Bodily injury liability—May help pay for third-party medical expenses
• Property damage liability—May help cover damage to others’ property

Collision Coverage

Collision coverage may help pay to repair or replace your motorcycle if it’s damaged in a crash, regardless of who is at fault. This coverage may be especially valuable if you want to avoid out-of-pocket repair costs after an accident.

Comprehensive Coverage

Comprehensive coverage may help cover your bike for non-collision incidents such as theft, vandalism, fire or severe weather. For example, if your motorcycle is stolen or damaged by a covered weather event, comprehensive coverage may help with repair or replacement costs.

Uninsured/Underinsured Motorist Coverage

If you’re involved in an accident caused by a driver who has little or no insurance, uninsured/underinsured motorist coverage may help cover your medical bills and property damage.

Additional Options

Many policies offer optional add-ons, such as:

• Coverage for custom parts and equipment
• Roadside assistance

How We Help Riders

Our team at Baker Insurance Group Inc. works closely with motorcycle owners to find coverage that fits their riding habits and bike value. We explain your options, answer your questions and help you select the right policy for your needs.

Ready to explore your motorcycle insurance options? Contact us today to get started.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.