Motorcycle Insurance Coverage Options

Similar to auto insurance coverage, motorcycle insurance coverage offers standard coverage options. Mesa, AZ motorcycle owners receive the standard liability and uninsured/underinsured motorist coverage in their policy but can include additional options. Below are some of those options, but those needing further assistance understanding these options can speak with an expert at INW Insurance Solutions.

Collision Coverage

The collision insurance coverage pays out for accident damage to a motorcycle minus the deductible. The deductible is the amount you selected when you purchased your policy and is your out-of-pocket costs associated with repairing the damage to the motorcycle. In most cases, your premium rates are contingent upon how high or low your deductible is. 

Comprehensive Coverage

The comprehensive insurance coverage pays you when your motorcycle has not been in an accident but has suffered damage by something else, including animal collisions. Additionally, comprehensive coverage reimburses you when your motorcycle gets stolen. Insurance payouts are after your predetermined deductible has been subtracted. 

Personal Injury Protection

Personal injury protection provides coverage for medical bills associated with you, your passengers, or pedestrians injured in an accident, regardless of fault. PIP coverage varies and should be discussed further with your insurance agent. 

Add-On Coverage Options

The above coverage options are generally included in most motorcycle insurance policies. Many insurance companies offer add-on coverage options to offer motorcycle owners the ability to create a custom policy that works for their needs. Additional coverage options may include: 

  • Coverage for customized parts, equipment, and accessories
  • Transport trailer coverage
  • Roadside assistance
  • Travel interruption coverage

Motorcycle owners in Mesa, AZ can customize their motorcycle insurance policy, ensuring they have the coverage they need. Those with questions about how much coverage is required and what options are available should call the experts at INW Insurance Solutions.