What Type of Motorcycle Insurance Do I Need?

Just because you have car insurance, it doesn’t mean you’ll be covered if you’re involved in an accident while riding your motorcycle. You’ll need a separate policy specifically designed for motorcycles. Types and limits of coverage vary from state to state, but any experienced motorcycle lawyer will tell you it’s a good idea not to skimp on coverages, such as liability and uninsured/underinsured motorist protection.


Even the most conscientious riders may be negligent and cause an accident that inflicts damages and injuries to parties in another vehicle. Liability coverage pays the other party to repair or replace their vehicle, as well as their medical costs.

If the other party and their motorcycle injury lawyer attempt to sue you, liability coverage will pay up to your policy’s limits if a judgment goes against you.

Just about every state requires you carry at least a minimum amount of liability insurance, but the minimum amount usually does not provide adequate protection. As a rule of thumb, carry an amount equal to your net worth, which you can calculate by subtracting your liabilities from the total value of your assets.

Physical Damage

Physical damage coverage pays for damages to your own bike. Physical damage consists of collision, which pays for accident-related damage, and comprehensive, which covers non-accident occurrences like theft and vandalism.

Physical damage coverage is not required by law, but if you financed the purchase of your bike, your lender will require you to carry it until you’ve paid off the loan to protect its interests.

Uninsured/Underinsured Motorist

Even though you might carry adequate amounts of insurance, there’s no guarantee another driver will. If you are injured in an accident and the other driver is at fault and carries little or no liability insurance, you and your motorcycle lawyer can attempt to recover under your uninsured/underinsured motorist coverage.


If you’re injured in a motorcycle accident but don’t have personal health insurance, medical coverage on your cycle policy will cover the cost of your injuries up to your policy limits. If you already have health insurance, your motorcycle medical insurance is normally considered as the primary coverage while your health insurance is secondary.

Rating Factors

In addition to the amount and types of coverage you carry, cycle insurers also use a number of factors to determine your premium. If you’re a young, inexperienced operator, statistics show you’re more likely to have an accident, so you can expect to pay more for coverage. The make and model of your bike also plays a role, as some insurance companies may not even offer coverage for the small, rapidly accelerating “crotch rocket” models.

Choosing the Right Policy for You

When shopping for a policy, be sure to balance the amount of coverage you need with how much you can afford. And if you’re injured in an accident, it’s a good idea to consult with an experienced motorcycle lawyer before accepting any settlement offered by an insurance company.


This guest post written by Chris Joseph who specializes in motorcycles, offering tips like how to choose a motorcycle lawyer.


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