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Liability:
Liability pays when you are responsible for damages or
injuries resulting from an accident. Even when you are
partially at fault your policy will pay to fix the other car
or someone’s medical bills. Peace of mind means to
purchase adequate coverage to protect your assets including
your home, savings and even your income.
Collision: This
simply pays to put your bike back together after an accident.
Generally you choose a deductible which you are responsible
to pay before the insurance company kicks in, The higher
deductible you choose the cheaper the premium.
Comprehensive: All
other damage to your cycle is covered with
Comprehensive coverage. Theft, vandalism, fire, & flood are
examples of perils covered. Again, you choose a deductible
that you like.
Medical
payments: This pays for your medical bills
regardless who is at fault in an accident.
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Uninsured
motorist: If
you are involved in an accident with another driver who does
not carry insurance your policy can pay you for any damages
the other persons company would have paid. Your own medical Bills,
lost wages, are good examples that can be covered.
Passenger Coverage:
When you carry passengers you may be liable for their
injuries or death, Passenger coverage can help cover all
those costs as well.
Rental Car:
If your car is stolen or damaged in an accident,
this coverage will reimburse you for the cost of a rental
car. The premium cost
is minor and can really help if you need a set of wheels
during those trouble times.
Towing: This
coverage will again reimburse you if you have a breakdown or
loose your keys. Ads a few dollars to a policy but can
be worth it.
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