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What is covered by motorcycle insurance?

Are you planning to purchase a motorcycle? Make sure that you have motorcycle insurance before you ride for the first time. Coverage is required to ride in Maryland just like insurance is needed when driving a car, truck or van. As you begin to search for a motorcycle insurance policy, make sure you know what the policy covers so you have peace of mind when you ride in Montgomery County.

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You are required to have at least property damage liability and bodily injury coverages. These two coverage options cover you in the event that you are deemed to be at fault in a motorcycle accident. You can also add comprehensive and collision coverages to your policy. These will help you pay to replace or repair the motorcycle if it is damaged by a natural disaster or in an accident.

It's also a good idea to have uninsured/underinsured coverage on your policy when owning a motorcycle. This is coverage that almost all motor vehicle owners hold. This coverage protects you against a motorist who has little insurance or no insurance at all.

Most motorcycle insurance policies allow you to insure up to four vehicles and five people on the same policy. The policy will also cover you to ride a rental bike. It likely will not cover you when riding a bike you own or use regularly but isn't specifically named on the policy.

Have you been injured in a Montgomery County motorcycle accident? A personal injury attorney can provide much-needed guidance and advice on your case. You will want to provide the attorney with as many details as possible while they are still fresh in your mind.

Source: esurance.com, "What does motorcycle insurance cover?," accessed Jan. 4, 2018

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