Three types of motorcycle coverage you need

As a motorcyclist, you need to carry adequate insurance coverage both to protect yourself financially and to meet legal obligations. At Jim Boyce Insurance, we offer motorcycle insurance policies that include a variety of different coverage options. 

There are numerous types of motorcycle insurance coverage you need to look into to ensure that you’re adequately covered while riding your bike in Matthews, NC. The following are three types of motorcycle coverage you’ll want to have. 

Liability coverage

The most basic type of coverage you need is liability coverage. Liability coverage is required by law for motorcyclists and motorists in almost every state. 

Liability coverage will cover resulting expenses if you cause physical or property damage while riding. Each state has minimum liability coverage amounts you’ll have to meet to drive legally. 

Collision coverage

Collision coverage is important to cover the costs of any damage that your own bike or property experiences.

If your motorcycle is damaged in an accident and you’re at fault, you’ll have to pay for the damages out of pocket if you don’t have collision coverage. You’ll have to cover the costs of damages even if you’re not at fault if you get in an accident with a motorist without adequate liability coverage. 

Guest passenger liability coverage

It’s a good idea to invest in guest passenger liability coverage if you frequently ride with a passenger. This addition on your motorcycle insurance policy will provide added coverage for medical costs if your guest passenger becomes injured while you’re riding. 

Some states require guest passenger liability coverage. However, you should invest in this type of coverage even if your state doesn’t require it to protect your passenger. 

Are you interested in learning more about the motorcycle insurance coverage available in Matthews, NC? Get in touch with us at Jim Boyce Insurance to explore our coverage offerings.