Owning a motorcycle comes with a lot of fun. However, it is also associated with risks and dangers. Therefore, if you are thinking of getting a motorcycle, you should not forget about purchasing motorcycle insurance, the purpose of which is to protect you on the road and provide you with proper coverage if an accident occurs. There are several types of motorcycle coverage, and here is a brief review of a few of them:
Most motorcycle insurance policies include collision coverage, comprehensive coverage, and liability coverage. Let’s discuss each of them:
- Collision coverage. Collision coverage is the type of coverage that covers damage to your motorcycle caused by a collision with another vehicle or object.
- Comprehensive coverage. This coverage, that is sometimes called "other than collision", covers a motorcycle if it was stolen or damaged by an animal.
- Medical payments coverage. This type of coverage handles medical costs that are incurred by either your or other passengers who are injured in a road accident.
- Roadside assistance. It is not a mandatory type of coverage, but it is worth having it because it provides roadside assistance in the event of a breakdown. Without this coverage, on-site towing and labor can be quite expensive.
Bajorek Agency Inc. serving clients in Rochester, NY – Get Proper Protection For You and Your Vehicle
If you are a lucky motorcycle owner living in Rochester, NY or any other nearby town, you should purchase proper motorcycle insurance before hitting the road. At Bajorek Agency Inc, experienced insurance agents will answer your questions about different types of motorcycle insurance and coverage and will help you choose a policy addressing your needs and requirements. Feel free to check the agency’s website or call to receive all the information you need.