Motorcycle Insurance in Huntsville, Alabama

While motorcycles come with a unique experience of freedom, they don’t provide the same physical protection as cars, and accidents can result in hefty medical bills and repair costs. Having the right motorcycle insurance can help reduce the financial impact by covering both you and your bike.

How Does Motorcycle Insurance Work?

Like auto insurance, motorcycle coverage kicks in after an incident occurs. You’ll pay monthly or annual premiums based on factors such as your riding experience, location, and bike model. When filing a claim, you’ll need to document the incident and work with an insurance adjuster to determine coverage and compensation.

What Does My Policy Cover?

Standard motorcycle insurance policies typically include the following coverage:

• Liability coverage may compensate for property damage and bodily injuries you caused to others in an accident.

• Collision coverage may pay for repairs to your motorcycle after a crash, regardless of fault.

• Comprehensive coverage may cover incidents unrelated to a collision, such as fire, theft and vandalism.

Many riders also add optional coverages such as the following:

• Uninsured/underinsured motorist coverage may provide compensation if you’re hit by a driver with insufficient insurance.

• Medical payments coverage may pay for medical treatments for you or your passenger after an accident.

• Custom parts and equipment coverage may cover after-market accessories and modifications you’ve made to your bike.

• Roadside assistance coverage may provide towing services and assistance with flat tires or battery jumps if your motorcycle breaks down.

How Much Is a Policy?

Premium costs vary widely based on multiple factors. Typically, insurers consider the following to calculate your premium:

• Your age

• Location

• Riding experience

• Claims history

• Motorcycle’s make and model

Begin Your Coverage

Budget Insurance offers expert guidance on motorcycle insurance. Our agents can help you build your ideal policy. Contact us today to get started.