Do you have a sick ride that needs coverage? Motorcycle insurance is the perfect thing to cover you and your ride from any unforeseen trouble the road may throw your way. This type of policy is excellent for those people with recreational vehicles insurance needs. Just because you're out having fun does not mean you should not be covered in case of accident or injury.
Usually with any type of motorcycle insurance, you need to have a proven safe driving record. In order to be covered by your plan it is important to remember that you cannot have been at fault in a motorcycle accident for at least 48 months. That is four years of proven safe driving! So, even if you do not have insurance already, make sure you are not zipping around corners hoping nothing gets in your way.
Different types of coverage exist for people with motorcycles. This list is by no means exhaustive, but it offers insight into what you can expect from a provider. There is Bodily Injury and Property Damage Liability that protects against accidents that injure another person or their property up to the amount that YOU select. Comprehensive and Collision Coverage pays for the replacement of your motorcycle if it is stolen or damaged in an accident, regardless of who is at fault. This coverage applies to those times when you run into a non-moving object, such as a parked car or a pole. There is even an insurance policy for those times when life happens and you are not at fault, but someone else does the damage and they do not have insurance. This is called Uninsured/Underinsured Motorist Coverage.
The benefits of having proper motorcycle insurance coverage cannot be overestimated. Sometimes the road, life, and other drivers throw unexpected metaphorical rocks in your way. Sometimes these metaphors are other cars, other people, or anything else. Prepare yourself for the unexpected with insurance to cover you and your ride so you don't have tow worry about it later.