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A motorcycle is a type of vehicle, just like a car or any other means of transportation. This means it must be insured for your sake and for the sake of those around you, and is required by law by most states in order for the bike to be street-legal. BIA Insurance Agency offers motorcycle insurance for sport bikes, cruisers, tour bikes, enduros, scooters, dirt bikes, trikes, and some custom bikes. Motorcycle insurance can help protect you if you are in an accident by covering the cost of repairs and medical costs, and can also provide coverage if your bike is stolen.

Motorcycle insurance encompasses several aspects. First, there is bodily injury liability coverage, which covers bodily injury or death results from an accident for which you are at fault. Property damage liability coverage covers damage that you inflict on someone else’s property with your motorcycle. Medical payments, no-fault injury, or personal injury coverage covers medical expenses for you and passengers on your motorcycle, incurred as a result of an accident regardless of fault. Uninsured and underinsured motorist coverage covers injuries and property damage that you sustain if you are involved in a hit-and-run accident or if you are hit by someone who does not have insurance or who has insufficient insurance. Comprehensive covers damage that occurs to your motorcycle due to theft, vandalism, flood, fire, and other perils. Collision covers damage to your motorcycle when it hits or is hit by another object. Finally, your accessories are covered as soon as you purchase comprehensive and collision coverage, though coverage varies from state to state. Accessories may include saddlebags, backrests, seats, chrome pieces, CB radios, helmets, and other coverage that may be purchased if desired.

Here at BIA Insurance Agency, we offer a wide variety of personal motorcycle insurance coverage options for you and for your bike. One of our experienced and knowledgeable personal insurance plan representatives will be happy to assist you and to help you determine what type of coverage is best for you. We are happy and eager to answer all of your questions, and to help you find the best, most affordable and extensive motorcycle insurance coverage for you and your bike, so give us a call today.

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