Types of Motorcycle Insurance

If you love cruising around Webster Groves, MO roads, getting a motorcycle will likely be your first step to enjoying the outdoors. Next comes getting motorcycle insurance. The second option may, however, present challenges, given the numerous insurance options in the market. Travers Insurance can help with this, with the following guide detailing various motorcycle policies to be on the lookout for.

Bodily Injury Liability Coverage

This coverage takes care of 3rd party injury costs for accidents that you cause. It helps you pay for medical expenses like prescription charges and examination fees during hospital visits. Bodily injury liability coverage will also come in handy in paying for lost wages when other parties sustain significant injuries.

Property Damage Liability Coverage

This coverage also takes care of 3rd parties, with attention to property damage costs. If found liable for an accident that leads to the destruction of property, this policy helps you pay for other parties’ repair and replacement costs.

Medical Payments Coverage

Medical payment coverage provides compensation when you are injured in an accident. Your passengers are also covered by this policy and will help you both take care of your medical costs. Where policy terms allow, it can also come in handy for providing reimbursement for lost income to either party.

Comprehensive Coverage

Comprehensive coverage protects you during a non-collision accident. This can arise from events such as hail, fire, theft, and vandalism. When your motorcycle gets destroyed due to these emergencies, comprehensive coverage will help you pay for your repair or replacement costs.

Collision Coverage

Collision coverage takes care of impact accidents that you are involved in. Examples of these include collisions with other motorcycles, vehicles, or objects such as trees or poles. Collision coverage ensures that the costs of motorcycle repair or replacement are catered for.

Uninsured/ Underinsured Coverage

If you are hit by an uninsured motorist or one whose cover is insufficient for paying for your repair or replacement costs, uninsured/ underinsured coverage will kick in. This policy pays for your property damage costs and any injuries you incur.

If you need motorcycle insurance structured to Webster Groves, MO riding needs, consider giving Travers Insurance a call today.