What you need to know about bike insurance coverage

  • July 21, 2021

With the bike insurance market booming, there are a lot of questions to ask.

Here are some key questions you should be asking yourself when buying bike insurance.

1.

Which type of motorcycle are you driving?

Is it a bike with a front-wheel drive system, or one with a rear-wheeldrive system?

What type of insurance does it cover?

Are there any deductible?

How much will it cost?

Does it cover bike damage?

2.

Are there different levels of motorcycle insurance?

If so, which levels?

Is there a cap or is it an insurance that covers just parts of the bike, or does it include all the components?

3.

What are the coverage limits and what happens if I lose my insurance?

What happens if you lose your bike insurance?

Are you able to recover it from your insurance company?

How can I keep track of my bike insurance costs?

How do I make sure I pay them correctly?

4.

What types of motorcycle helmets are approved by the U.S. DOT for motorcycle use?

Are they mandatory?

Can they be purchased by people without a motorcycle license?

5.

What happens when my insurance company fails to pay?

Is my coverage terminated?

What if I go back to my previous insurer and try again?

Is a bike insurance company able to get me a new one?

6.

Can I get a copy of my motorcycle insurance policy?

Are insurance companies allowed to see my policy, and what if they get caught in a data breach?

What does it mean if I change my mind about my bike?

7.

Can my bike insurer cancel my policy?

Do they have the right to do so?

Is this legal?

How does it work?

8.

Can insurance companies cancel my bike policy?

Can I request an emergency payment?

Can you ask for a payment to be made?

9.

Is it legal to have my bike stolen?

What are my rights?

What can I do if my bike is stolen?

10.

Can you buy insurance on stolen bike?

Is theft legal?

11.

Can motorcycle insurance be used for personal injury claims?

Can insurance cover it?

12.

Can motorcyclists receive damages?

What about medical bills?

How is this handled?

13.

What if my insurance is terminated?

Can my policy be transferred?

14.

How do you get a motorcycle insurance quote?

What is the cheapest rate you can get?

Can someone else get it for me?

15.

What do I need to get my bike covered?

Can it be replaced?

What should I do with the bike?

16.

How can insurance companies offer me discounts?

What discounts can I get?

What do you do if I forget to pay a claim?

17.

What is my bike accident policy?

Is that covered?

What else should I know?

18.

What’s the best way to make sure my insurance covers me?

What’s covered?

19.

Is motorcycle insurance good for people with disabilities?

Can people with physical or mental disabilities get bike insurance and ride?

20.

Does motorcycle insurance cover all kinds of injuries?

What kinds of motorcycle injuries do you cover?

21.

What about bike accidents and motorcycle theft?

Is motorcycle theft covered?

How?

22.

Can bike insurance cover theft of motor vehicles?

What kind of motorcycle theft do you deal with?

23.

What can you do with your bike when it gets stolen?

Can anyone else take it?

24.

How long do bike insurance policies last?

How often does insurance last?

25.

Is there anything I should do to make it more likely that someone will get injured?

How long does bike insurance last for?

26.

Can your bike be stolen?

How common is it?

How hard is it to get your bike stolen from a garage?

27.

Is a motorcycle theft or bike accident covered by your insurance?

Can your insurance cover bike theft?

How to protect yourself?

28.

How much is my insurance deductible?

What will happen if I fail to pay it?

29.

Can someone buy insurance with a credit card?

Can a credit or debit card be used to buy motorcycle insurance coverage?

30.

Does bike insurance help me get around?

How are bike insurance rates determined?

What types and how much does the coverage cost?

31.

How many bike accidents do I have a chance of having in a year?

How many of them are my fault?

How would you handle them?

32.

What insurance does my state have for motorcyclist collision claims?

Do you need one?

Do I need one for motorcycle accidents?

33.

Can a person use a bicycle as a personal transportation device?

Is the law on bicycles still the same as it is for cars?

Do bike owners need to pay an additional fee for using a bike as a transport device?

34.

How does the motorcycle liability insurance system work?

Is an accident on a motorcycle covered by motorcycle liability?

Does the motorcycle insurance system protect me against motorcycle theft and motor vehicle accidents?