Seguro de moto
If you’re looking for a fun and exciting way to hit the open road, then look no further than a motorcycle. Motorcycles embody the spirit of adventure, but even the most thrilling journeys come with uncertainty and risk. Before you take your bike out, make sure you have the right financial protection.
What Is Motorcycle Insurance?
Motorcycle insurance, in simple terms, is vehicle insurance that’s designed for motorcycles. Like car insurance, motorcycle insurance protects your ride after unexpected events. With a motorcycle policy, you pay regular premiums to the insurance company in exchange for coverage. If you get into an accident, your insurance can help pay for damages and losses per policy terms.
What’s Included in Motorcycle Insurance?
Coverage within a motorcycle insurance policy can vary by insurer and selected options. Common coverages include:
- Liability coverage can help pay for losses and damages you cause to others when riding your motorcycle.
- Collision coverage can help pay for damage to your bike after a collision with another vehicle or object.
- Comprehensive insurance can help pay for noncollision incidents when the motorcycle is parked, such as vandalism, theft and fire.
- Uninsured/underinsured motorist coverage can help pay for losses and damage you incur after being hit by an at-fault driver who lacks sufficient insurance.
Do I need Motorcycle Insurance?
Motorcycle insurance is highly recommended for all riders, and in Illinois, it’s required by law. Illinois requires riders to have minimum levels of third-party bodily injury and property damage liability coverage. If you’re in the Land of Lincoln, you may be required to show proof of insurance before registering a motorcycle.
Even those living outside Illinois should strongly consider motorcycle insurance, even if not required by law in their state. Just one accident could spell financial disaster without adequate insurance.
Speak with the friendly professionals at Contigo Insurance Agency today to discuss motorcycle insurance options. We can help you review policies to find the best plan for your needs and budget.