What You Need to Know
When I speak to various groups, even attorneys, I will many times start by asking if people know what type and how much insurance they have on their vehicle policy. What I usually receive in response is nervous laughter, a blank stare, or some other indication that they have no idea. Some people will respond with “full-coverage” or “comprehensive coverage,” but when I ask them what that means…crickets. My motorcycle riding friends tend to be the worst! So, for all of you out there, here is crash-course in motorcycle insurance (no pun intended).
The vast majority of states in the U.S. require that motorcycle owners have liability insurance. This policy covers other people if you injure them in a crash, as well as any property that may be damaged by you or your bike.
Liability insurance covers injuries and damages for when you mess up. What about for those situations when you are the one that is injured because someone else failed to pay attention, pulled in front of you, or any number of other bad driving moves or inattention? For those situations, we look to other types of coverage.