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Did you know there are significant differences between motorcycle insurance policies? No two coverages are exactly the same. Below is an overview of the available coverage options.
Motorcycle Collision Coverage
Most motorcycle insurance policies include collision coverage, which provides protection in the event of a collision with another vehicle or motorcycle. If the bike cannot be repaired after the collision, the insurer will assess the motorcycle’s value and compensate the policyholder, minus the deductible.
Liability Coverage
Liability coverage is a standard component of motorcycle insurance policies. This coverage applies when an injury occurs or when damage is caused to someone else’s property, up to the limits of the policy. However, liability coverage does not cover damage to the motorcycle itself.
Medical Payments Coverage
Medical payments coverage, if available, helps pay for medical bills following an accident, up to the policy’s limit. For more information about this coverage, contact Anthony Lancaster Insurance Inc. in Memphis, TN.
Comprehensive Coverage
Comprehensive coverage protects against the loss of a motorcycle due to causes other than a collision. Depending on the policy, this coverage may include protection against theft, vandalism, fire, and other non-collision-related incidents.
Underinsured/Uninsured Motorist Coverage
Underinsured and uninsured motorist coverage, often referred to as UIM and UM coverage, provides protection if you are involved in an accident with a driver who either lacks insurance or has insufficient coverage. This type of coverage typically applies when the other driver is at fault and may cover property damage, medical expenses, lost wages, and more.
Get Your Quote Today
If you are looking for motorcycle insurance in Memphis, TN, contact Anthony Lancaster Insurance Inc. at 901-754-3331. Our team will provide personalized coverage information and a customized quote tailored to your needs.
