Choosing the right motorcycle insurance is an absolute necessity for any rider. Unfortunately, most motorcycle owners lack information on motorcycle insurance, which makes them a target for unscrupulous insurance agents. 

Without a complete coverage, you may find yourself burdened with many expenses to pay in the event of an accident. It is therefore important to evaluate all the options available, and choose the best insurance cover for you. 

Does Insurance Cover Personal Injury and Property Damage

Motorcycle insurance policies generally cover both your body and your bike. In case you get involved in an accident and you are not at fault, the insurance cover will provide extra compensation for your injuries if the other party’s insurance is not sufficient to cover the cost.

Motorcycle riders often make the mistake of purchasing ‘full coverage’ thinking it will compensate them sufficiently in the event of an accident. Although full coverage means the rider is covered in all categories, it does not necessarily guarantee that there is sufficient coverage in individual categories. Some insurance companies usually offer limited cover in specific categories while others may be willing to provide you with complete coverage. When purchasing a motorcycle insurance cover, therefore, it is important to be aware of the different categories that are covered in case of an accident. 

It is your task to determine which type of policy best suits your needs and your budget. 

Categories of Motorcycle Insurance Coverage

The different categories of motorcycle insurance coverage that are offered by most companies include:

  • Collision 
    As the name suggests, this category covers your motorcycle in case of an accident, regardless of who is at fault.
  • Property Damage
    This covers you in case you damage another person’s property in a motorcycle accident.
  • Comprehensive
    A comprehensive motorcycle insurance policy covers your motorcycle and its parts in case of damage due to theft, vandalism, floods or even fire.
  • Umbrella
    This policy provides compensation in case the damage caused by your accident exceed your other coverage.
  • Uninsured/ Underinsured
    This provides compensation in case you are injured in an accident by a person who has insufficient or no coverage.

Get in touch with us

Choosing the right motorcycle insurance cover requires a lot of foresight on the potential risks involved. In light of this, it is important to consult with a motorcycle accident lawyer before you spend money on an insurance cover.

At Payas, Payas, and Payas, we offer comprehensive services to motorcycle owners who wish to insure their bikes and themselves against accidents. We have a professional team of motorcycle accident lawyers who are very knowledgeable when it comes to motorcycle insurance policies as well as the legal regulations involved in motor vehicle insurance. Our qualified experts will walk you through the process of making a claim if you get involved in a motorcycle accident. 

Incase you have any question regarding motorcycle insurance and how to purchase a cover, contact us today and let us help you get the right deal.