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July 8, 2015

Staying Safe on Your Motorcycle This Summer

Motorcycle on the road with a helmet on the handlebars.

Motorcycle Coverage Options

Riding your motorcycle is one of the best ways to enjoy the summer season. As the temperatures continue to heat up, feeling the wind blow through your hair can be very relaxing and exciting. Making sure that you have enough motorcycle insurance coverage can help to keep you safe on the road. Consider these motorcycle insurance basics to keep you properly safe while on the road.

  • Collision – if you are involved in a crash with another vehicle, your collision coverage will cover the cost of the damages to your bike. If your bike is a total loss after an accident, your collision coverage will provide coverage based on the resale value of your bike.
  • Liability – any property damage or bodily injury that you cause to another person during a crash will be covered by your liability coverage. It is important to keep in mind that your liability coverage will not provide protection for damage that is done to your own bike or any of your own injuries.
  • Comprehensive – also known as “other than collision coverage,” comprehensive coverage will provide protection for any damage that is done to your bike that is caused by a peril other than a crash, such as falling objects, theft, or fire.
  • Personal injury protection – if you are injured after a motorcycle accident, your personal injury protection, also known as PIP will cover the cost of your medical bills, no matter who is at fault for the accident. It will also provide coverage for any lost wages while you are not able to work after the accident.

When looking for the right motorcycle insurance coverage to keep you safe on the road, contact the insurance professionals at Brewer-Lloyd Insurance Group in Mesa, Arizona. We will work with you to ensure that you have the protection that you deserve, all at the right price.