Comprehensive vs. Collision: What Type of Motorcycle Insurance Do You Need?

When it comes to financially protecting your bike on North Carolina roads, understanding your motorcycle insurance options is essential. Whether you’re coasting along an oceanside road or taking a longer trip up into the mountains, responsible bikers should strongly consider retaining robust coverage. Two of the most important coverages to understand are comprehensive and collision insurance.

What Is Comprehensive Motorcycle Insurance?

Comprehensive coverage can help pay for damage to your motorcycle caused by events other than a collision. This can include risks such as theft, vandalism, fire and severe weather, such as hail or floods. Additionally, while collisions involving other vehicles and stationary objects may be excluded, comprehensive coverage can address accidents involving wildlife. This type of coverage is especially valuable for riders who store their motorcycles outdoors or ride year-round. Lenders may also require it if you’ve financed your bike.

What Is Collision Motorcycle Insurance?

Meanwhile, collision coverage accounts for crashes on the road, including those involving other motorists, buildings, guardrails and signposts. Submitting a claim against this part of your policy can garner financial aid to help pay for repairing your vehicle or replacing it if it’s totaled. This coverage can assist regardless of who was at fault for the accident in question. This coverage can be crucial for any motorcycle owner, regardless of experience, and is also often mandated in the terms of auto loans.

How to Choose the Right Coverage

When selecting collision and comprehensive coverage as parts of your motorcycle insurance policy, you may want to consider the following:

• Value of your vehicle—Higher-value bikes may benefit greatly from both coverages.
• Where you store your bike—Outdoor storage increases various risks covered by comprehensive insurance, such as theft and weather damage.
• How often you ride—Frequent riders may have a greater need for collision coverage due to increased exposure to accidents.
• Applicable requirements—If you have a loan on your bike, you’ll likely be required to carry both types of coverage.

Get Guidance From Our Team

At Dan Pittman Insurance Agency, we’re committed to helping motorcycle owners in the Tar Heel State find the right insurance solutions. If you’re unsure what coverage is right for you, our experienced agents are ready to answer your questions and provide personalized recommendations.

Contact us today to get started.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.