Motorcycle Insurance in Cambridge MA

What Does Motorcycle Insurance Cover?

Similar to many other insurances, first, a specific policy is chosen and then, additional coverages can be added. A basic insurance policy usually includes the following:

• Collision coverage – The insurance company will pay to repair or replace a motorbike that is damaged during a collision with a vehicle or some other object.
• Liability coverage – Usually the coverage required by law. In an accident where the motorcyclist is considered at fault, it will cover any damage to another person’s property or their medical bills.
• Uninsured or underinsured motorist coverage – Although you might be covered, the other driver might not be. If they do not have insurance to cover the costs of repairing or replacing your bike, your medical bills, or lost wages, then this policy will help pay the costs. You might also consider using the other driver, but there is no guarantee that you will be compensated for all the harm.
• Comprehensive coverage – If your motorbike is stolen, vandalized, or damaged during a fire, the replacement or repair will be covered.

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There is also a range of other policies you should consider taking out, including:

• Accessories coverage – Bikes often come with a range of expensive accessories: saddlebags, seats, chrome pieces, radios, backrests. The accessories coverage can be added to the basic coverage to protect these items. It may include your helmet and apparel as well.
• Towing or labor – In the event of an accident or bike malfunctions, you might need a jump start or tow, which are covered under this policy.
• Accident forgiveness – Sometimes included in the standard package. Typically, accidents lead to increases in insurance rates. However, this policy can prevent that if the accident’s costs remain under a specific amount.
• Disappearing deductibles – Many insurance companies will lower your deductibles if you do not file a claim until the next renewable period.
• Enhanced injury protection – Accidents can lead to a temporary inability to work. Enhanced protection gives you money to live on until you have fully recovered.