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What Motorcycle Insurance Covers And Why You Need It

What Motorcycle Insurance Covers And Why You Need It

Ask anyone who rides a bike and they’ll tell you how much they love the wind in their face and the feeling of being out on the open road. It can be a truly exhilarating experience. But riding a motorcycle is not without risk, just like driving a car, and motorcycle insurance shouldn’t be considered a luxury but a necessity for any rider, no matter how infrequently they take their bike out on the road. 

One small accident can total your bike, so having comprehensive motorcycle insurance coverage can protect you financially and help you replace your bike in the event of an accident or act of God. 

Motorcycle Insurance Needs

Most motorcycle insurance policies include liability, which Ohio riders are legally required to carry. Liability insurance helps you in the event you cause an accident that injures another, but Ohio law requires drivers only to carry the minimum, which just isn’t enough for even the most basic of accidents. 

Carrying the bare minimum coverage puts you at risk financially even if the accident is not your fault. Just because it’s Ohio law to carry liability coverage, it doesn’t mean everyone does. And as we all know, one minor fender bender can do a lot of damage to a vehicle or motorcycle.

Uninsured/Underinsured Motorist

Adding Uninsured/Underinsured Motorist coverage to your policy can protect you if someone hits you but doesn’t have enough insurance to cover the damage to your bike, keeping you from fighting your insurance company or paying out of pocket. This is a form of insurance that’s better to have and not need than need and not have!

Comprehensive Coverage

Comprehensive coverage covers everything from theft to fire to vandalism and can protect you year round — even during the off-season when your bike is stored away in the garage. 

If you are a seasonal rider who likes to take their bike out only during warm weather, consider getting this form of coverage instead of starting a policy during the on-season and canceling your policy during the off-season, which can incur fees and higher rates.

Accessory Coverage

Motorcycle accessories like sidecars, luggage racks, and fairings may not be covered by your standard motorcycle insurance policy. Some insurers offer accessory coverage or optional add-on coverage to insure your motorcycle additions. This means you won’t have to pay fully out of pocket to repair or replace them in the event of an accident or other damage.

SFM Insurance Can Help

Motorcycle insurance isn’t a luxury, it’s a necessity. SFM Insurance wants to make sure you and your loved ones are safe and protected on the roads. We can help find the best motorcycle insurance policy to protect you from covered and non-covered drivers. Unlike some other agencies, we take the time to listen to your goals and then craft a policy based on your specific needs. Visit our website or call 937-382-2546 for more information. For more tips and our latest updates, visit us on Facebook, Twitter or LinkedIn!