Types of Motorcycle Insurance

Choosing to carry motorcycle insurance is one of the important safety precautions every biker should take. Read on to learn more about the different types of motorcycle insurance you should purchase from Tim Huber Insurance.

Liability Insurance

Motorcycle owners in St. Augustine, FL, should buy liability insurance for their motorcycles. Tim Huber Insurance recommends that you should at least buy the minimum liability to protect yourself financially in the event of a motorcycle accident. Without a liability insurance coverage, you may end up paying a lot of money out-of-pocket in terms of bodily injury and damage to other people’s property.

Medical Insurance Coverage

In case you or your passengers get injured in a motorcycle accident, the medical insurance coverage will cover the medical bills and other expenses resulting from the injuries. You can purchase the coverage in different amounts to help you address various expenses including prescription pain medications.

Uninsured Automobile Coverage 

The coverage comes in handy when you or your family member is injured or killed in the event of an accident involving an uninsured or underinsured driver. The coverage can also provide financial compensation if the driver who hit your motorcycle is unidentified. The insurance company will also help you cover the cost of damage to your motorcycle through the coverage.

Comprehensive Coverage

Sometimes, natural causes that are not related to collision or being hit by another motorist can cause damage to your motorcycle. Hence, when your motorcycle is damaged by events or disasters such as fires, floods, vandalism, or theft, your insurance company will reimburse if you have a comprehensive coverage.

Even if you have motorcycle insurance, your coverage may not be enough to help you fully pay for serious injuries or loss of your motorcycle. Therefore, it is important to consider filing a claim against the at-fault driver or party for compensation. If you need more information about motorcycle insurance and how to get the most affordable quotes in St. Augustine, FL, contact Tim Huber Insurance today.