Motorcycle Insurance
While numerous bikers will often opt to ride within Indiana without coverage, getting a policy will be a worthwhile consideration. The right coverage will allow you to avoid any legal problems while helping you keep yourself and other parties safe while on the road. Hoosier Hills Insurance Agency breaks down some essential policies to look at.
Bodily Injury Liability Coverage
This option compensates you for 3rd party medical expenses when you are found liable for an accident. It allows you to cover consultation fees, x-ray costs, and any prescription expenses that other parties may need.
Property Damage Liability Coverage
This coverage will come in handy when you destroy other parties’ property. If you damage vehicles, motorcycles, or buildings, property damage liability coverage helps you pay the ensuing damage costs.
Underinsured and Uninsured Coverage
If you are hit by another motorist whose policy cannot fully pay for the extent of your motorcycle damage, underinsured coverage will compensate you for your repair costs. Uninsured coverage will come in handy when you get into an accident with a motorist who has no cover.
Collision Coverage
Collision coverage kicks in when your motorcycle collides with objects on the road. This can be other motorcycles, vehicles, buildings, or fences. It will ensure that your bike replacement costs and repair expenses are met.
Comprehensive Coverage
Comprehensive coverage allows you to cover costs related to any non-collision accident. If your motorcycle gets damaged by events such as fire outbreaks, hail, theft, or vandalism, comprehensive coverage will pay for your repair expenses.
Medical Payments Coverage
Medical payments coverage kicks in when you get injured in an accident and will help pay for your medical bills. This policy will also cover your passengers when they get hurt, allowing them to pay their medical costs.
Whether you have just purchased your motorcycle or need to update your cover, consider reaching out to Hoosier Hills Insurance Agency today. Our Indiana agents will take you through our policies to help you settle for your ideal coverage.