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Do I Need Special Motorcycle Insurance?

Riding a motorcycle can very well be one of the most freeing and thrilling experiences a motorist can have. This vehicle brings with it a different sensation than what one derives from driving a car. There is, however, the issue of safety when riding a motorcycle. This is the main reason that laws include the wearing of safety gear such as helmets when riding a motorcycle. As much fun as riding a motorcycle can be, it is unavoidable that one ought to get special motorcycle insurance.

There are many kinds of special motorcycle insurance policies, but the best thing that you can do is to get one that offers both liability and comprehensive coverage. This means that practically any incident will be covered and that both you – the policyholder – and the user of the motorcycle will be protected. The latter is important especially if you allow other people to use your motorcycle.

Liability insurance for motorcycle owners is important because it takes care of costs in case you cause damage to property or injury to other people. So, for example, if you get into an accident and you damage the bumper of a car, your liability insurance will pay for that damage. This insurance does not, however, pay for the cost of repairing your motorcycle. That is where comprehensive insurance comes in handy, as it covers damages that you sustain as well.

One thing that you need to consider when choosing special motorcycle insurance is how often you will be able to use your motorcycles. In areas where the weather permits year-round use, the payment options are usually simple – you pay a one time fee or you can pay in installment throughout the year. In areas where motorcycles cannot be used during winter, you may only have to pay for certain times of the year. Make sure that you look at these details when choosing a motorcycle insurance plan.

Featured in Autos