We all know we need to insure our cars – just don’t forget to insure the other vehicles in your life. Do you own a motorcycle? We tend to think of them as a hobby or sport, but motorcycles are vehicles as well. Although we don’t like to think about it, sometimes our hobbies or pastimes can be dangerous to ourselves or to others. As with automobiles, your state may require insurance of such vehicles. Therefore, if you own a motorcycle, make sure to consider motorcycle insurance.
Insurance for motorcycles usually consists of a combination of coverages for collision, liability and theft. Therefore, you would be insuring the vehicles itself, in case of theft or damage from collision. In addition, you’d be insuring injury or damage you cause to another person or property. Remember, these other vehicles are likely not covered under your automobile liability policy (unless you have had them specifically added) and, in fact, are likely excluded by your automobile liability policy. Therefore, regardless of how little or much you use your motorcycle, you should consider insuring it. Freak accidents unfortunately occur and you would not want to be left uninsured in such event.
Using your motorcycle should be fun! That’s why you purchased it, right? With as hard as we all work, we need our time to relax and engage in sports and hobbies that we enjoy. Just don’t forget to obtain your motorcycle insurance – that way you can truly relax and enjoy yourself on your vehicle.