Missouri Motorcycle Insurance
You’ll enjoy being out on the open road even more when you’re not worried
about the safety of yourself, your passengers or your investment.
Click here to get a customized motorcycle insurance quote.
Why Do I Need Motorcycle Insurance?
Here are a few things to consider:
If you’re in an accident or your motorcycle is stolen, it costs money,
often a lot of money, to fix or replace it.
If you or a passenger is injured in an accident, medical costs can be extremely expensive.
If your motorcycle is responsible for damage or injury to others, you may be
sued for much more than you’re worth.
Your motorcycle may be one of your most prized possessions. It deserves special protection.
How Collision Is Different Than Comprehensive—and Other Handy Information
We know the language used by the insurance industry can be confusing. That’s why we
want to make sure you clearly understand your options and know precisely what you’re
paying for. Here are the terms we use. (Most policies are a combination of several
of these coverages.)
These protect you and other people
This coverage helps protect you from expenses related to injuries or property damage
you or your motorcycle cause in an accident. In most states, some also cover Guest
Passenger liability, which covers you in the event that a passenger is injured on
the motorcycle. When choosing liability coverage, consider things like how much
money you make and the property you own. Your liability coverage should be high
enough to protect you if you are sued after an accident.
This coverage provides for certain necessary medical expenses for you and any
passenger that are the result of an accident.
This coverage typically pays for expenses associated with injury or death
from an accident caused by an uninsured, underinsured or hit-and-run driver.
It also covers you if you are hit as a pedestrian.
Provides you with a roadside assistance benefit for breakdown.
These protect your motorcycle
This coverage pays to repair the damage done to your motorcycle due to an accident.
Your agent can help you determine the degree you need this coverage based on the
value of your motorcycle.
This coverage pays to repair or replace your motorcycle if it is stolen,
vandalized or damaged in some way other than in a collision.
Many motorcycle owners like to customize their rides, and some coverage
pays for customized parts and equipment, often at no extra charge.
Click here to get a customized motorcycle insurance quote.
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