Keep in mind that with any insurance policy, including Motorcycle Insurance, there is usually a deductible that has to be paid before the insurance company will pay the rest of the claim. At least you get to choose how much deductible so it can make for more affordable motorcycle insurance, but make sure you have it in the bank just in case you need it. Otherwise, Comprehensive and Collision coverage are going to pay for things when you have a wreck, regardless of who is at fault.
Just an example, here. You are out on the bike and hit a car, then a tree and bounce into a fence and run over some other non-living thing. Your Collision policy just pay for the loss.
A slightly different example. Here you hit some type of animal knocking you into the side of car, which throws you and your bike into a fence. Now the river starts rising to flood your bike. As you are floating away some guy starts beating the dickens out of your motorcycle, takes it with him then throws it in a fire. This is your lucky day because your Comprehensive coverage just kicked in and paid the claim.
During all of that, someone was injured. They had medical bills to pay. The Bodily Injury and Property Damage Liability you chose with a limit of you liked, just covered the claim. Do not forget that Liability limits can leave the rest of your assets are risk, if their expenses go over your limit.
While all of the above chaos was going on, you got hurt and you look forward to the next three years of medical care, because your Medical Payments Coverage goes into the game and picks up the expenses. At least it does if you are not in one of those states that require other forms of insurance are exhausted, first. Do not forget there is a limit this will pay, so ask many questions as to how this works.
Another example of how it can be one of those days when you have a roadside breakdown, mechanical of course. You call the number on the card the gave you, they call you back to say there is a truck on the way from the nearest qualified repair shop. Not a problem, your Roadside Assistance policy just kicked in to pay the tab, and you will not pay a coin to be back on your journey. Hey, after you have left you get stranded in the snow and mud, water all around with sand mucking up the mix. You are within 100 feet of the roadway, with a trailer behind your bike whose wheel locks up. Still no problem, your coverage steps up to pay for the rescue. Around the clock coverage is what you paid for, and you only paid a solitary George Washington a month for this coverage.
Here is another story about someone who really decked their rig out with lots of neat stuff and looks way cool, but some where along the way something goes missing and you turn in a claim. Sure enough, it was covered under the Accessory coverage you bought just before you signed the dotted line. Now you are glad you did, it just covered this claim.
All of the above scenarios never actually happened, and there were no animals, fences or people injured or destroyed. Just a little mind trip down the road of possibilities for a person who needs Motorcycle Insurance to consider, if they want to protect themselves with the proper coverage.
If you own a motorcycle, then you definitely need to compare motorcycle insurance. There are many motor bike insurance quotes waiting for you right now.
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