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 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!