What Motorcycle Coverage Is Most Important for Summer Riding?

Summer in Indiana has the kind of riding weather that makes staying off the bike nearly impossible. But before you head out, take a hard look at your motorcycle insurance. Not every policy offers the same financial protection, and knowing which coverage matters most can make a real difference when something goes wrong on the road.

Essential Motorcycle Insurance Coverages for Summer

Indiana requires riders to carry liability coverage at state-required minimums, but those minimums may not go far in a serious accident. Liability coverage may pay for injuries or property damage you cause to others. The state also requires carriers to offer uninsured/underinsured motorist coverage by default, though riders may reject it in writing. These coverages are often essential for summer riding:

• Collision coverage may pay for damage to your bike after an accident, regardless of who is at fault.
• Uninsured/underinsured motorist coverage may cover your injuries if another driver who is at fault hits you and carries little or no insurance.
• Comprehensive coverage may provide financial assistance following damage from noncollision events, such as fire, theft or vandalism.
• Roadside assistance coverage is often available as an add-on and can be useful if you break down or have mechanical issues while on longer summer trips.

Additional Options

Depending on your bike and how you use it, additional options may be worth considering. If you carry custom parts or accessories, consider optional equipment coverage. Also, laid-up or storage coverage can be valuable if your bike sits during off-season months.

Learn More

Riding around Jeffersonville, IN and beyond is one of the better ways to spend a weekend this summer. Make sure your coverage lines up with how and where you ride. Contact Auto Insurance Express today to review your current motorcycle policy or get a quote.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.