You have always dreamed of owning and riding a motorcycle, and now you have finally achieved that dream of owning one. It is necessary to take steps to ensure the protection of your bike. One of the ways you can protect it is to get it insured. Not only is it a good idea, but many states require motorcycle insurance.
What types of coverage are available?
Some people think their auto insurance covers their motorcycles, but many insurance companies have separate policies. Read more to see what types of coverage are available for motorists.
There is a minimum requirement for liability insurance in Kansas. Liability insurance will cover the damage or injuries to the other driver or passengers in any accidents you cause.
Comprehensive and collision insurance
Comprehensive coverage covers any damage to the motorcycle that comes from something other than a collision, such as theft, vandalism, or a natural disaster. Collision insurance helps pay for damage to the bike from an accident, even if it was your fault.
Underinsured/uninsured motorist insurance
You might get into an accident that was the other motorist’s fault, and they don’t have liability insurance or don’t have enough to cover the cost of the claim. In these circumstances, underinsured/uninsured motorist coverage will help cover the costs that the other party is not able to cover. If you didn’t have this type of coverage, you would have to fork out the money for repairs and possible medical costs.
What to look for in a policy?
You should confirm that your policy has the required minimum coverage for your state. In Kansas, the minimum requirements for motorcycle insurance include liability coverage, uninsured/underinsured motorist coverage, and PIP or personal injury protection coverage.
If you own a motorcycle and need insurance, contact us for a quote at HighPointe Insurance Services LLC in Overland Park, KS.