Coverage Options
Medical Payments typically cover reasonable and necessary medical expenses that are the result of any injury to you or your passengers. Some examples of expenses that might be covered include ambulance, hospital, x-ray, dental, and surgical.
Personal Injury Protection
If you’re hurt in an accident, or worse, expenses could add up faster than you imagine. That’s where this coverage can help, with reimbursements for:
- Medical and hospital expenses
- Lost income
- Services you would normally do yourself
- Funeral expenses
- Child care expenses
Note: PIP is a required coverage in the state of Florida.
Collision
A collision almost always means damage to your motorcycle. And that’s just what this coverage is for. It typically covers damages to your motorcycle that result from a collision with another object, which could include another car or motorcycle, a tree, or a building.
Comprehensive
It doesn’t always take two vehicles to make an accident. Comprehensive coverage typically covers your bike if it’s damaged by:
- Flooding
- Wind
- Vandalism
- Theft
- Some other event that doesn’t involve a crash with another vehicle
Uninsured/Underinsured Motorist Bodily Injury
If an accident isn’t your fault, you don’t want to pay for the other guy’s mistake. Especially if he doesn’t have enough insurance coverage or any at all. This coverage typically covers damages that result from the injury or death of you or a passenger on your motorcycle caused by an uninsured or underinsured driver. Different states have different requirements for which coverage to have and how much.
Property Damage Liability
If you’re at fault in an accident and cause damage to others’ property, Property Damage Liability Coverage typically covers damages that result from the damage to another person’s property when you are at fault. Some of the things you may be liable for include vehicles, private residences, storefronts, and other structures.
Bodily Injury Liability
If you’re at fault in a crash, it might be your responsibility to cover the medical bills for your passenger or the other driver. In a case like that, Bodily Injury Liability typically covers damages that result from the injury or death of another driver or a guest passenger on your motorcycle when you are at fault.
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