In some ways, especially when it comes to insurance, motorcycles are a lot like other vehicles. There are certain things that are required. Other items are optional. But, no matter what, Motorcycle Insurance in Wichita KS offers protection for other drivers on the road as well as the person in control of the motorcycle. When the time comes to purchase insurance, there are lots of options to choose from, but these three stand out as crucial parts of the policy.
Liability: Bodily Injury and Property Damage
In many states, liability isn’t optional. If a person wants to drive a motorcycle, he or she is required to have liability insurance. Instead of covering the driver, it covers everyone else. If there is an accident, the insurance will take care of some of the costs for medical attention and property damage for others involved. It’s easy to see why this would be a requirement, as it adds an extra layer of protection for everyone out on the road.
Uninsured Motorist
Despite having insurance requirements, there are still those that choose to drive without insurance. This includes drivers of vehicles and motorcycles. With uninsured motorist coverage, a motorcycle driver is covered despite the other person failing to have insurance. While this isn’t mandatory, it is an important part of motorcycle insurance in Wichita KS. This portion of the policy also comes into play when the other driver is under-insured.
Comprehensive
What happens if there is damage to the motorcycle outside of an accident or collision? Comprehensive coverage handles these situations. Whether the bike was vandalized or knocked over in the driveway, this insurance option will cover the damage. It’s important to note that, despite the name, comprehensive coverage doesn’t cover everything. Be sure to talk to an agent about the specifics.
It doesn’t matter if you just purchased your first motorcycle or you’ve been riding for years, it’s time to take a closer look at your insurance policy. Contact us for more information on the types of coverage you can opt for and the current rates. When riding a motorcycle, the last thing you want to worry about is having the right insurance.
