Your Motorcycle Coverage Options

If you're familiar with car insurance, you know that there are many coverage options beyond what is required by law. Motorcycle owners are presented with a similar array of options, plus several more that are tailored for the smaller vehicles. Individuals who simply use their bikes as a means to get from point A to B may opt for the minimum state requirements, while motorcycle enthusiasts may prefer more complete coverage. Consider the following options, which you can discuss with your independent insurance agent for a better idea of the coverage that's right for you and your bike.

Liability: Covers the damage you cause to others during an at-fault accident, including property damage to vehicles, residences and storefronts, medical expenses, lost wages and pain and suffering.
Collision: Covers damage done to your property during a collision with another vehicle or stationary object.
Personal injury: Covers injuries suffered by you and/or your passenger during a collision, including medical expenses, lost wages and, in some cases, child care expenses during recovery.
Comprehensive: Covers damage done to your property that is not the result of a collision, including severe storms, fire, theft and vandalism.
Uninsured/underinsured motorist: Covers damages suffered by you and/or your passenger during a collision that was caused by an uninsured or underinsured driver.
Custom parts: Covers damages done to after-market parts that have been installed for aesthetic value, such as crash bars and custom seats.
Rental reimbursement: Covers the expense of a rental vehicle while your bike is being repaired or recovered.
Transport Trailer Damage: Covers damage done to motorcycle and off-road vehicle transport trailers during a collision, rollover or natural disaster (some exclusions apply).

Get the coverage you need. Call Auto Insurance Discounters at (816) 252-2255 for more information on Kansas City motorcycle insurance.

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