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motorcycle parkedMotorcyclists are statistically at a higher risk for accidents so it makes good sense to have motorcycle insurance. The right policy will help protect you financially if damage or injuries occur to you, your bike or others if you're involved an accident.

Is There a Minimum Coverage Requirement?

Motorcycle liability insurance is required in almost every state. Liability coverage helps pay for any property damage or bodily injuries when you are responsible for causing an accident.

  • State requirements are typically low but your insurance agent can help you select coverage for better protection.​
  • Options vary by state.
  • Certain coverage may be mandatory if your motorcycle is financed.
Types of Motorcycle Insurance
  • Accessory Coverage: Covers custom equipment you’ve added to your bike.
  • Bodily Injury Liability: Helps pay for injuries suffered by others in a crash that you caused.
  • Collision: This type of coverage pays for repairs or replacement if your motorcycle is damaged in an accident.
  • Comprehensive: Helps pay for damage to your motorcycle that is not due to an accident (like vandalism or theft).
  • Medical Coverage: Helps with medical payments if you are in a motorcycle accident.
  • Motorcycle Roadside Assistance: Covers some costs of towing if your bike breaks down while on the road.
  • Personal Injury Protection (PIP): Also helps with medical coverage but consult with your agent to determine which options apply in your state.
  • Property Damage Liability: Helps pay for repairs to the property of others when you cause the damage.
  • Underinsured Motorist: Helps when another driver's liability insurance isn’t enough to cover your costs.
  • Uninsured Motorist: Although most states require motor vehicle insurance, there are many uninsured drivers on the road. This type of coverage helps pay your costs if you are in an accident caused by an uninsured motorist.
Not all motorcycle insurance companies offer every option and in some states, certain types of coverage are not available at all. As with all of your motor vehicle policies, consult with your independent insurance agent to determine which options are best to protect you and your motorcycle.

We’ll help you find the best coverage. Call Pan American Insurance at (915) 562-0009 for more information on El Paso motorcycle insurance.

Posted 4:27 PM

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