Things to Know About Motorcycle Insurance

​If you drive a motorcycle, you might think you don't need insurance. However, keep in mind that motorcycle insurance helps you stay safe and protected. If you plan on purchasing motorcycle insurance soon, here are some of the things you need to know about it.

Motorcycle Insurance Coverage
Like other insurance policies, motorcycle insurance undergoes customization to suit your needs. Typically, most states have a required form of financial responsibility, especially when driving on public roads. 

Bikers purchase motorcycle insurance for this reason. Although state requirements vary, here are some of the motorcycle insurance coverages you might need.
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1. Liability Insurance
   Liability insurance is a type of core coverage, covering the expenses you incur from causing injury or damage to other people. Costs include the medical bills of the injured third-party and the costs incurred from property damage. Also, liability insurance covers legal expenses from when accidents you cause lead to lawsuits.
   
   
2. Guest Passenger Liability
   If you usually drive with a passenger, you should acquire guest passenger liability. This type of coverage encompasses the medical expenses that your passenger incurs if you cause an accident. However, keep in mind that this coverage wouldn't cover the costs if you didn't cause the accident.
   
   
3. Personal Insurance Protection
   Personal insurance protection (PIP) covers medical expenses you and your passenger incur, no matter who caused the accident. Such medical expenses include hospital bills and doctors' professional fees. Moreover, PIP can also pay for wages you lost while recovering from the accident. 
   
   
4. Total Loss Coverage
   Since theft can become inevitable, you might want to consider getting total loss coverage. This coverage encompasses costs to replace your motorcycle as a result of theft or a policy-covered issue. However, remember that some insurers require a certain motorcycle age to be qualified.

Motorcycle Insurance Coverage Exclusions
Besides knowing the coverages you can get from purchasing motorcycle insurance, it's also vital to understand its exclusions.

Exclusions are issues or damages which are not covered by your insurance plan, including:

• Damage or injury caused by racing, demolition contests, or performing stunts
• Damage or injury caused by using your motorcycle to earn money (delivering food, transporting passengers)
• Damage or injury caused by doing a criminal act (not including traffic violations)

Conclusion
Although it isn't required, getting motorcycle insurance is beneficial. Not only does it help you protect your beloved motorcycle, but it'll also help you save money in the long run.

At Kapasu Insurance Services Inc., we do our best in making sure that our clients are well-protected with affordable and comprehensive policies. We make sure to go the extra mile to help you with your needs. To learn more about how we can help you, please contact our agency at (760) 995-3853 or Click Here to request a free quote.