Today we will be talking about motorcycle insurance. As you know in the USA, everyone who rides a motorcycle must have motorcycle insurance, but not all insurance is the same.
So today I am going to talk about the types of motorcycle insurance and finally, I will give you my five best motorcycle insurance companies.
Let’s start with credit insurance.
In the USA, you must have credit insurance. It is usually called credit only and is a 15-30-5 policy. That means you have $ 15,000 for one car that hit $ 30,000 by accident and $ 5,000 for property damage.
Of course, motorcycle riders are rarely the cause of property damage. That is why many insurance companies are in the sport of motorcycle insurance.
You see ads from continuing with Geico. They are all trying to sell you motorcycle insurance, which is necessary, but they know they will not pay any claims.
When was the last time you heard of a motorcycle injuring anyone?
The only time it happens in my 10 years is when you hit another cyclist or hit a pedestrian or you have a fallen passenger, so you rarely use your credit insurance.
The next type of insurance coverage is called collision coverage.
Proper collision cover compensation for damage to your bike if you have an accident or park your bike.
The next type of insurance is called complete insurance.
This includes all exceptions to the collision combination. For example, if your bike is stolen or damaged for any reason other than a collision.
While this is important, especially if you have a very high or special bike, because California leads the United States on stolen bikes, so I recommend complete insurance, especially if you have a very high bike or a new bike.
The next type of insurance coverage is called uninsured motorist coverage.
That means if you are hit by an uninsured car, your insurance company comes in to pay for your damage and damage.
In California, it is legally required, but almost all insurance companies have signed a waiver to release the unprotected part of your driver policy.
I think the coverage of uninsured drivers is important because in California there are 4 million uninsured drivers.
In addition, if you sign up for unrestricted car coverage, you can also sign up for the so-called under-guaranteed car coverage.
That means if you are hit by someone with a $ 15,000 policy, but your injury or injury is so severe that you are less than a certified driver can work.