Which Motorcycle Insurance Coverage Is The Best Fit For You?

​When getting a motorcycle insurance policy, some companies let you choose the coverage. Yes, they let you choose what is best for you. In making the decision, you must come in well-informed before signing. By the end of this article, you may know which motorcycle coverage is the best fit for you.

Options for Motorcycle Coverage

1. Bodily Injury liability coverage
   This applies if you have been included in an accident that caused the injury or death of another person. Some places also offer the chance to be insured when liable for the injuries to the passenger. And some have it in separate coverage.
   
   
2. Medical payments coverage
   Bodily injury liability coverage does not include your medical bills. So, the medical payments coverage does. You can also have this option to pay for the expenses if you have a passenger when an accident happens. This includes ambulance rides and X-ray tests.
   
   
3. Personal Injury coverage
   This type of insurance may not be available in all places but is quite the package. Personal injury coverage can minimize the cost of your medical expense—even loss of income and expenses for the funeral.
   
   
4. Property damage liability coverage
   Suppose you are involved in an accident. That caused damage to vehicles, establishments, or other structures. You may use this coverage to pay the cost. The only downside is that this cannot deduct the expense for the damage to your motorcycle.
   
   
5. Rental reimbursement coverage
   This deducts the replacement cost if your motorcycle gets stolen or repaired.
   
   
6. Comprehensive coverage
   In the comprehensive coverage, you can have the cost of damage due to weather conditions. That is like typhoons and flooding. This can either be covering the cost of repairs or replacement of the unit.
   
   
7. Towing and labor coverage
   If your motorcycle gets towed because of an accident or damage, you can have these costs deducted as well. Reimbursement of the cash value of the service is covered.

Takeaway
You are the only one to know which motorcycle coverage is the best fit for you. If you travel a lot and are near accident-prone roads, you might need liability coverages. Say your place of residency is prone to typhoons. Then you might need comprehensive coverage within the policy.

At Family Auto Insurance Agency, we aim to provide comprehensive insurance policies that make your life easier. We want to help you get the insurance that fits your needs. You can get more information about our products and services by calling our agency at (313) 285-9042. Get your free quote today by CLICKING HERE.