Whether your motorcycle is your primary means of transportation or you just like to ride on the weekends, having the right motorcycle insurance coverage in place is vital to protect yourself from large out of pocket payments in case of an accident. Our Maryland insurance agency recognizes the unique differences between typical auto insurance and motorcycle insurance. For years, The Kastendike Insurance Group has helped motorcycle enthusiasts choose the right insurance policies for their needs.
Driving Motorcycle Presents Increased Risk
If you own a motorcycle, you’ll want to ensure you have adequate protection against the unexpected. Motorcycle insurance premiums are typically higher than car insurance premiums because injuries and accidents happen at a significantly higher rate.
Understanding Motorcycle Insurance Coverage Options
Bodily Injury Liability
When you’re at-fault in an accident, bodily injury liability covers medical costs and lost wages resulting from injury or death.
Property Damage Liability
If you damage another individual’s property during an accident, property damage liability can help pay for damage to other vehicles, homes, storefronts, or other types of properties.
Medical Coverage
Having medical coverage helps cover medical expenses associated with a motorcycle accident regardless of who is at fault.
Guest Passenger Liability
Unlike auto insurance policies, many motorcycle policies don’t assume that a passenger will be aboard. Guest passenger liability is an option that protects your passenger as long as you’re not at-fault in an accident.
Personal Injury Protection
Personal injury protection (PIP) can provide reimbursement for medical bills, lost income, childcare, and funeral expenses if you perish in an accident. Laws and requirements for PIP vary by state.
Collision Coverage
If your motorcycle causes damage after colliding with another vehicle, tree, or property, collision coverage will help pay for repairs. Kastendike Insurance Group will help you choose the right deductible for collision coverage.
Comprehensive Coverage
Comprehensive coverage protects your motorcycle in the event of a fire, flood, vandalism, theft. Comprehensive coverage typically covers repairs up to your bike’s cash value.
Uninsured/Underinsured Motorist Bodily Injury
If the event you get into an accident and an uninsured or underinsured driver is found to be at fault, having this type of coverage limits the financial burden of your injuries and your passenger’s when applicable.
Lease/Gap Coverage
If your motorcycle gets totaled in an accident or stolen, gap coverage pays the difference between what your bike is worth and what you still owe on it.
Ride with Peace of Mind with Motorcycle Insurance Coverage
Insurance professionals at The Kastendike Insurance Group can go over different motorcycle insurance coverage options to ensure you get the right protection for your bike. Call us today at 443-501-9388 for a no-obligation insurance quote.
