Types of insurance –
As mentioned above, it is illegal to drive without state specified insurance coverage. The insurance is in place to cover specific costs that arise from accidents. The areas where the coverage is applied depends on the insurance, who is at fault and how much insurance is in place.

Underinsured coverage –
This is coverage that protects you in the event that your are involved in an accident and the other party doesn’t have enough insurance to pay for the damage.

Uninsured coverage –
This type of coverage covers you if the person you got into an accident with just doesn’t have any insurance at all. Your medical bills as well as lost wages would also be taken care of.

Bodily injury and property damage liability insurance –
This insurance for motorcycles is required by law in most states in America. The amount per person as well as per accident varies by state but the minimum amount is approximately $10,000. If you are found to be at fault, your coverage will pay. What’s covered is medical bills due to the accident in question, damage to property, as well as lost wages. That goes both ways. If you are not at fault, then their insurance pays for the cost assuming they have insurance at all.

Collision Coverage –
This is simply insurance that will cover the cost of damage done to the motorcycle during an accident or collision.

Accessory Coverage –
Commonly referred to as Custom Parts and Equipment or CPE is coverage that covers for added parts and accessories that weren’t apart of the motorcycle when purchased. Examples would be helmets, stereos and sidecars that were purchased after the motorcycle left the dealership.

Motorcycle Roadside Assistance –
This is a helpful insurance to have in the event of an emergency while riding. If you have problems while you are on the road with your motorcycle they will assist. Coverage may be fixing a flat tire, towing of your motorcycle, giving you a ride, jumpstarting your vehicle etc. The prospect of being stranded in a strange area on the side of the road at night makes this insurance a must.
Personal injury protection insurance – Commonly referred to as PIP, covers you and/or your passenger regardless as to who was at fault in the accident. What personal injury protection insurance may cover for motorcyclist is; home health aides, health insurance deductibles, pain and suffering, co-payments, doctor’s visits, hospital stays, dental care, prescription drugs, funeral costs, lost wages, psychiatric visits and/or child-care expenses.
Something else that should be considered is what’s known as blanket coverage. This simply means coverage for several items at once. In this case multiple motorcycles. If you have different styles of motorcycles that an insurer provides coverage for, you may want to have them all go under one policy instead of having multiple policies or policies from separate companies.

Conclusion –
With the abundance of information communicated in this article you should have a better understanding of some of the terms used with motorcycle insurance. You now know what PIP, CPE and collision coverage are with no confusion. The ground work of the research has already been taken care of for your benefit. If you remember this information and do further research then getting the best motorcycle insurance that suits you should be a breeze.

This two part article will go over some of the terms, definitions and explanation often associated with motorcycle insurances. Once you go over this information you will be better informed as to what motorcycle insurance is, who needs it, the types of insurance and where to get it from.

Not all insurance providers are the same and the coverage an insurance company may offer varies. State laws may also be unique from one another in regards to what types of coverage someone who owns a motorcycle must have in their respective state. The same rule holds true for the owner as while as the type of bike he or she may possess. All three of these factors must be taken into consideration before anyone can even think about going to purchase motorcycle insurance.

Insurers –
The most important question to ask when looking for a motorcycle insurer is simply do they offer insurance on bikes in the first place? If so, what types of bikes? There are electric bikes, mopeds, motocross bikes as well as standard motorcycles that may or may not need insurance or be available through an insurer. Understanding what type of bike you have before you contact an insurer will save you time and possible money in the long run. If an insurer only covers one type of bike and not another then it’s best to look for another insurance agency if you have multiple bike types. Some insures refuse motorcycles used for racing, dirt bikes and stunt bikes that usually fall under the motocross selection.

State Laws -
Most states require bodily injury liability insurance for all drivers. There will be a minimum amount a person must have as well. The amount is for each person as well as per accident. People who are changing states or thinking about it need to keep state laws in regards to their insurance policy in mind. Un-doubtable state laws have a significant role in insurance policies.

Motorcycle Owners –
When getting a quote for motorcycle insurance several factors will be covered to determine the amount you are going to pay. Issues such as your age, past driving record and your employment status are just a few areas of concern to the insurance company.
(…continued in part two)

Introduction to PIP insurance –

Personal injury protection (PIP) is insurance that will cover the driver and passengers up to a certain amount of designated money. If a rider is involved in an accident while on their motorcycle, this insurance will cover their medical bills and hospital expenses. This type of insurance may or may not be optional depending on your specific state laws. It’s important because it covers some many different areas where insurance after an accident would be desperately needed. The areas where it won’t pay probably fall under the property damage/bodily injury liability insurance. Here are some of the areas where personal injury protection insurance has you covered;

What person injury protection insurance may cover for motorcyclist –

Home-nurse care / Health insurance deductibles / Pain and Suffering (In some cases) /Co-payments / Doctor’s visits / Hospital stays / Dental care / Prescription drugs / Funeral costs / Lost wages / Psychiatric visits / Child-care expenses

This alone should convince any person who isn’t sure whether or not they should invest in the insurance or not to purchase it. A severe accident without the coverage could send a person into permanent debt overnight. It’s always best to plan for the worst as far as insurance is concerned. There may still be other legal issues that will have to be worked out over an accident. Insurance won’t cover that so drivers will have to come out of pocket for those expenses. Lawyer’s fees and court cost will be one of the few things you will have to worry about when you have PIP but again, without it you are simply asking for trouble. The following states require personal injury protection for motorcyclist;

States where PIP is mandatory for motorcyclist –

Colorado / Delaware / Florida / Hawaii / Kansas / Kentucky / Maryland / Massachusetts / Michigan / Minnesota / New Jersey / New York / North Dakota / Oregon / Utah

PIP conclusion -

The sad reality is that people who choose to ride motorcycles whether they are the driver or just a passenger, are more likely to face accidents than those who are in cars. The risk and potential harm are also far greater on a motorcycle. The best action someone should take is to have lots of insurance so if something does happen they are protected. In this case the best protection available is personal injury protection insurance. Consider that it may pay up to eighty percent of accident related medical expenses as well as sixty percent of loss wages in some cases, every who owns a motorcycle should have it. PIP is highly recommended for new and young riders in general. Since they are the demographic that is more prone to auto accidents they should have the most coverage. As time goes by and they become more experienced and older, the amount of coverage can be lowered if necessary but it’s best to hold on to it.

It’s important to get liability insurance with your motorcycle insurance policy because you will be covered in the event of an accident where you are at fault. The last thing a injured person who just went through a traumatic auto accident should have to worry about is trying to come up with funds to pay for damage or health care related cost. The time right after an accident is difficult enough as it is. Friends and family members shouldn’t have to be over burdened with such concerns either. It’s not fair to them; you owe them more than that.

If you consider the alternatives to not having liability insurance and having to cover expenses on your own you’ll be shocked at what’s in store. What’s worse is the person who lacks health care and this insurance. If they have health care, they will be covered in many areas. The same goes for liability insurance. Once you have both in place you will be even better off. Not having either puts you in the worse possible predicament you can be in. If you live in a state where driver’s who aren’t on motorcycles are required to have liability insurance and an accident does occur, who do you think is going to pay? You! Regardless of whether or not they are covered, you should be.

Liability insurance covers you for personal injury, your loss of wages, medical bills as well as your suffering and pain. Insurance can be purchased online so it’s not really something that’s hard to obtain. The minimum varies per state but it’s roughly $25,000 that a person would need. It’s always the best idea to buy as much as you need and not rely on the standard the state dictates. Medical bills can quickly reach six figures in less than a month’s time span! Since liability insurance is relatively inexpensive, you should get all of your motorcycles covered if you have multiple vehicles. Another option is getting liability as well as another form of insurance such as comprehensive insurance.

Conclusion –

Liability insurance is not only important insurance for motorcyclist to own, it’s the most important to have. There is no other insurance that is as vital and that has as many benefits. For the low cost and huge range of cover, a rider would be making a big mistake not having it. Fortunately you can’t even buy a motorcycle in certain states without already first having the insurance. In most places if you are caught riding without it you will be ticketed, or worse. This actually works out the best for everyone involved since the insurance is so important. Any injury lawyer, person who has been through a motorcycle accident and law enforcement agent would suggest this insurance to a cyclist. It’s just as necessary as a motorcycle helmet when out on the road. Check with your state about its motorcycle laws and contact a motorcycle insurer for more details.

Let’s face it, riding motorcycles always has been and always will be a dangerous thrill. Someone on a motorcycle is placing themselves in a potentially dangerous situation due to the fact that they lack the proper shielding that driving/riding in a car offers. In case of an accident there is very little to protect someone from other traffic, the streets and/or the outside elements. It’s very important that motorcyclist get insurance so that in the event of a tragedy, they are protected at least financially to whatever extent the insurance specifies.

Types of insurance and the benefits -

Everyone who is driving on the road needs some type of insurance for drivers and motorcyclist alike However, due to the laws in each state varying tremendously, it’s important to know exactly what your state laws require before you get on the road. There are two types of insurance that all states demand and they are property damage coverage as well as bodily injury liability insurance.

Bodily injury liability -

This insurance provides cover if you are at fault and other people are injured. The medical cost would be covered for passengers that are with you as well as victims in other vehicles. Legal fees would also be provided for if you caused the accident. Bodily injury liability insurance protection is very beneficial to everyone involved in an unfortunate accident. Of course you yourself would be covered as the policy holder.

Property damage coverage –

If you damage someone else’s property during a motorcycle accident this insurance would cover it. In most cases future lawsuits that may arise from the damage would also be covered. An accident scenario would be a motorcycle loosing control and skidding onto a sidewalk then slamming into a near by business store front. Someone would have to pay for the broken glass and damage in that type of situation. This is where property damage coverage would kick in.

The two above liability insurances for motorcyclist cover a wide range of situations that can arise from accidents. Without them you would have to come out of pocket. Worse case scenario you would have to pay your medical expenses, your passenger(s), people in other vehicles, possible lawsuits from several people in addition to untold property damage disputes! Just imagine all of that falling onto your shoulders at once. This is why it’s vital for this insurance just as a bare minimum.

Conclusion –

Most insurance firms offer a motorcycle insurance plan for accidents. Gaining knowledge of how your state laws work as well as the different types of insurance is a must for every cyclist. The only thing left after that point is deciding what amount of insurance is the most beneficial to yourself as a driver. Don’t take the chance of getting the bare minimum in an attempt to save money if you can afford more insurance. Things happen and it’s better to be safe rather than sorry.

GEICO

Geico is one of the most popular car insurance companies around, thanks in part to the Gecko commercials and low prices on many types of insurance. Geico offers motorcycle insurance for all drivers over the age of 18 in many different states across the United States. The rates at Geico are usually quite substantial compared to other companies, and they offer professional and courteous service available 24 hours per day. Geico also makes it easy to start a policy online or by telephone so that you never have to leave your home to get your coverage.

PROGRESSIVE

Progressive offers service 24-7. Any time you need to talk to a representative or file a claim, they are just a phone call away. Progressive offers highly-competitive prices, saving some drivers as much as $600 per year on their motorcycle insurance. There are a variety of types of policies available, and a representative can help explain how each may benefit you. Customers of Progressive have reported that, for the most part, they are completely satisfied with the services that they receive with the agency.

ESURANCE

As the name suggests, Esurance is an online insurance company that has grown quite popular in recent years. Esurance completes all of your transactions online or by telephone, and offer dedicated claim reps that are available any time, night or day. Esurance saved motorcycle owners an average of $489 per year on their insurance needs. And, Esurance is available to anyone in the United States with Internet access.

ALLSTATE

One of the best things about Allstate is that they offer accident forgiveness after your first accident. This means your premiums will not increase, even if it is an at-fault accident. Allstate motorcycle insurance is some of the best in the industry, and you can always count on competitive pricing amongst other companies offering the same coverage. Allstate offers live agents that are available 24 hours per day, 365 days per week, and an abundance of other discounts and great deals that can help you find a low cost policy.

1. The type of bike you get matters. The hottest, newest, flashiest bike will draw a higher premium than an older bike. Insurers believe that people who buy newer bikes are more likely to take risks while driving, and therefore charge them a higher rate. So if you have a choice between a newer and older bike, all else being equal, choose the older model.

2. Your age and riding experience. Insurers consider age as an indicator of risk, with the younger riders being the riskiest investment to protect. However, if you have been riding motorcycles for a long time, they will also take that into consideration. So although you can not change your age, you can make sure you let the insurance companies that you are vetting know exactly how long you have been riding motorbikes.

3. Your zip code matters. Insurers are not necessarily interested in where you live, but in where you park your bike for the majority of the time. Usually, this is at the primary residence. So if you live in a high crime area or an area with lots of traffic, insurers will use that as an excuse to charge you higher premiums. Your best bet is to park your bike in the safest area that you can in order to get the lowest rates.

4. Keep your driving record clean. Insurers of course consider motorcycle riders who have had past accidents as more likely to have accidents in the future. To get the lowest motorcycle rates that you possibly can, keep your driving record as clean as you possibly can.

5. Your job and mileage. Insurers also consider your workplace as a place that the bike will be a considerable amount of the time. So if your work area is unsafe, or you have a dangerous job, insurers will use that as an excuse to make your premiums higher. Also, high miles driven to and from work means more time on the road. Insurers translate this as more time that you could get into an accident, and therefore will also raise premiums based on approximate miles driven to and from work.

6. Shop around. No insurance company gives their best offer on the first go round, and many will not tell you of programs that they have for the lowest rates unless they know that they have competition for your business.

7. Protect your bike. If you park in a garage, or have an alarm on your bike, be sure to let your insurance company know. These protections merit a lower premium on motorcycle insurance.

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