Motorcycle insurance is a requirement for anyone who wants to ride their bike on public streets, but there are several different types of coverage. Much like auto insurance, motorcycle riders can opt for minimum coverage that would only cover the expenses of the other parties involved in an accident in which they are at fault. They can also choose to pay a little more to get coverage that would cover their own damages, or even a policy that would pay for the bike in the event that it was damaged or stolen.
Choosing the right level of coverage can be tricky, however. There are a number of options available, making it hard to choose exactly how much and what type of coverage is right for you. In order to figure it out, think about what would happen if you were in an accident on your motorcycle. Would you be able to afford your own medical bills? Could you afford to replace your bike? If you can’t afford to replace your motorcycle, would you be ok waiting a few months or years until you had saved enough money to buy another one?
If you depend on your motorcycle to get to work or school in Brecksville, OH, then you need to have comprehensive insurance coverage. This type of coverage would provide funds to repair or replace your bike if anything happened to it. If you have a recreational bike, you may be able to get away with just a collision policy.
If you’re trying to figure out what type of motorcycle insurance policy is right for you, call the agents at Ganley Family Insurance. They’ll be able to help you find the right insurance policy at a price that fits your budget.