Whether you ride your bike regularly or occasionally, you need to protect your investment. Motorcycle insurance is a sort of safety net for every time you’re on the road or even when you have parked your ride in the garage. Western Ag Insurance Agency, Inc. wants all motorcycle owners in Arizona to understand how this policy protects them. Take a look at your coverage options.
Liability coverage comes in two forms: bodily injury and property damage. The former covers a third party’s medical expenses and lost wages from motorcycle injuries. The latter covers the damage you cause to a third party’s property, such as a vehicle, storefronts, and other structures. This coverage won’t cover your medical bills or repairs to your bike, but you can get a separate policy for that.
Collision coverage covers the damages to your bike resulting from a collision accident. If you collide with another motorcycle, car, or tree and your bike is damaged, the policy will help you repair it.
Comprehensive coverage covers damages to your bike that aren’t caused by collision accidents. It covers damages caused by disasters like wind, flooding, vandalism, and theft.
This policy covers the necessary medical expense you encounter after an accident. This includes x-rays, medication, and ambulance rides. The coverage can also extend to the injured passengers you were carrying.
Get into an accident with an uninsured or underinsured driver, and the other party is at fault. This policy will cover your medical expenses and repairing your bike. If you were carrying a passenger, the policy would also cover their medical expenses.
Contact Western Ag Insurance Agency Inc. to learn more about motorcycle insurance in Arizona. Let us help you select the right coverage based on your needs.
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