How Does Motorcycle Insurance Work

When you buy a new car, truck, SUV, or motorcycle in Mishawaka, IN, it is crucial that you protect your new asset with the right insurance coverage. The majority of people own a car or truck, but not near as many own a motorcycle, which may explain why there is often some confusion surrounding motorcycle insurance. However, just the same as a regular vehicle needs insurance, your motorcycle needs coverage, as well. Here at Kevin Dennis Insurance Agency, we take pride in being a company that sells quality motorcycle insurance, and we’d like to explain how this type of coverage works.

Is Motorcycle Insurance Similar to Car Insurance?

Insurance on a motorcycle is quite similar to putting insurance on a car, truck, or SUV. However, it’s pertinent to understand that an auto policy will not cover a motorcycle. You will need an actual motorcycle policy.

Insurance companies understand that you are much more likely to have one or more passengers in a regular vehicle versus riding on a motorcycle, and this is why motorcycle insurance requires different types of coverage. Plus, motorcycles aren’t usually driven as much as regular vehicles, which is another factor that will be taken into account when the insurance company determines your premium. You should note, however, that injury from a motorcycle accident is likely to be much more severe than an injury through a car accident, which is why injury protection coverage on a motorcycle is sometimes higher than what you’ll pay for the same coverage on a car, truck, or SUV.

Want to learn more about motorcycle insurance and how to get a policy that meets all of your needs? Contact the Kevin Dennis Insurance Agency serving the Mishawaka, IN area today to speak with one of our qualified agents.