If you have a motorbike in Laurel, MD and you want to know
more about the insurance Motorbike options available to you, this article was
created for you. While individual policies can certainly vary depending upon
your specific needs and requests, most motorbike insurance policies today will
have the coverage types detailed below.
Liability Coverage: Liability coverage is required
for motorbikes and other vehicles in Maryland. Liability coverage protects you
in case you are driving the motorbike and injure other people or cause damages
to other vehicles on the road. Liability coverage will only pay the damages to
others, so it is not going to repair your own motorbike if it gets damaged.
Collision Coverage: Collision coverage is optional
insurance that most motorbike drivers do elect to buy. The collision coverage
portion of your bike
insurance policy is meant to provide repairs or replacement if your
motorbike is seriously damaged in an accident. Regardless of who is at fault,
your collision coverage will pay for your repairs (or replacement of the
motorbike if the damage is severe enough for the bike to be "totaled
out."
Comprehensive Coverage: While collision coverage
takes care of the type of damages that may happen due to collision,
comprehensive takes care of the circumstances in which your motorbike was
damaged that aren’t due to collision. This can include circumstances like your
bike being stolen or your motorbike being destroyed because of a flood or a
fire. Comprehensive coverage, like collision coverage, is optional. However,
most motorbike drivers do elect to include this coverage as well because it
will help you be protected in all circumstances.
No matter what type of insurance you choose for your
motorbike, the important thing is that you protect yourself. Don’t take the
risk of being uninsured while driving your motorbike. Instead, contact our
independent agency for free comparative quotes from multiple major companies!
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