Does Collision Coverage Apply to Motorcycles? 

Motorcycle insurance is essential for a rider’s financial security. Without it, you might have to pay for repair bills, medical expenses or legal costs out-of-pocket after an accident. Collision coverage may be a particularly valuable aspect of motorcycle insurance.

Is Collision Coverage Available for Motorcycles?

Collision coverage may help pay for damage to a vehicle after an accident involving another car or object, regardless of fault. This type of coverage is not exclusive to cars; it applies to motorcycles, too. If your bike is involved in a crash, collision coverage may help pay for repair or replacement expenses minus your deductible. However, it’s typically optional unless required by a lender or lease agreement. Because motorcycles are often more exposed to damage, this coverage can be especially important for riders who want financial help after an accident.

What Else Does Motorcycle Insurance Cover?

Motorcycle insurance may cover more than just collisions. Depending on your policy, it may also include the following:

• Liability coverage for bodily injury and property damage

• Medical payments coverage

• Uninsured/underinsured motorist coverage

• Roadside assistance coverage

• Custom parts and equipment coverage

Options and requirements can vary by provider and state, so it’s important to review what’s available and what fits your riding habits.

How Does Collision Coverage Differ from Comprehensive Coverage?

Collision coverage may pay for crash-related damage to your motorcycle. Comprehensive coverage, on the other hand, may apply to noncollision incidents, such as theft, fire, vandalism, falling objects and damage due to severe weather. For instance, if your motorcycle is damaged by hail or vandalized while parked overnight, comprehensive coverage would apply, not collision.

Get Covered Today

All Insured Insurance Agency can recommend appropriate motorcycle insurance based on your budget and riding habits. Contact us today to get started.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.