| Just like cars and trucks, there are various types of | | | | Bodily injury insurance is a required type of insurance |
| motorcycle insurance that a rider can buy and each | | | | in most states. This is the insurance that pays for |
| type of insurance covers different things. For the | | | | injuries to others when the accident is your fault. It |
| purposes of simplicity in this article we will only focus | | | | covers both bodily damage and property damage. |
| on the basic types, which are under insured and | | | | The higher your bodily injury insurance is the better. |
| uninsured coverage, bodily injury, and collision | | | | This type of insurance is organized in a 15/30/10 |
| coverage. | | | | manner. This means that $15,000 can be paid out per |
| 1. Under insured insurance coverage: | | | | person with not more than $30,000 per accident; the |
| These first two are both pretty obvious. Under | | | | final number is the amount of property damage that |
| insured coverage is insurance coverage for your | | | | will be paid out. In this case it is $10,000. |
| motorcycle and your person that covers you in case | | | | 4. Collision Coverage: |
| a person that hits you does not have enough | | | | This type of coverage covers the expense to you |
| insurance to cover all of the damages. | | | | to repair or replace your motorcycle in the even that |
| A good suggestion is to carry 100/300. This means | | | | it is either damaged in an accident or stolen. In the |
| that you will have up to $100,000 per person and up | | | | case of collision coverage it usually does not matter |
| to $300,000 per accident. | | | | who is at fault. |
| 2. Uninsured Coverage: | | | | Collision coverage comes with a deductible that |
| Just like it sounds, this type of insurance is used | | | | needs to be paid by you, the policy owner, before |
| when the person that hits you I not covered by | | | | the insurance provider will pay on the coverage. The |
| insurance at all. Life can quickly turn into a nightmare | | | | higher your deductible, the lower your monthly |
| when you are hit by an uninsured individual and they | | | | payment for this insurance will be. |
| are not solvent to collect anything from . This leaves | | | | Conclusion: |
| all the bills for bike replacement, medical services and | | | | With this knowledge, we recommend that you take |
| even therapeutic services for you to pay. | | | | your time when looking for an insurance provider. |
| This is why we highly recommend that you purchase | | | | Always use a reputable company that has been |
| uninsured motorcycle coverage. Insurance providers | | | | around for a while and has good customer feedback. |
| have different types of exclusions for this type of | | | | Pricing companies is simple, just call them up and |
| coverage so we recommend you talk with each | | | | keep a list of what the different companies charge |
| potential provider individually to see what they cover. | | | | for similar types of coverage. |
| 3. Bodily Injury Coverage: | | | | |