Why You Need Motorcycle Insurance

If you own a motorcycle in San Antonio, TX, it is mandatory to purchase motorcycle insurance. Riding without insurance will result in loss of license and substantial fines. However, avoiding penalties isn’t the only reason to purchase motorcycle insurance. If you ride your motorcycle every day or just on special occasions, motorcycle insurance is an essential investment that helps protect you and your motorcycle. Aside from being the law, here are the top reasons why you need motorcycle insurance.

Medical Bills and Personal Injury Protection

A motorcycle is one of the most dangerous vehicles to operate on the road. Motorcycle insurance would protect you financially if you were to get in an accident. It will cover medical costs, regardless of who was responsible for the accident. If you’re severely injured, some policies will cover lost wages, child care, and any other related expenses from your injury.

Liability Coverage

Suppose you were involved in an accident on your motorcycle and caused damages to another vehicle or property. In that case, motorcycle coverage will cover the costs and repairs, so you don’t have to come out of pocket. There are also different levels of liability policies depending on your experience on a motorcycle. For example, if you are a new rider,  buying more expensive coverage can be beneficial as you’re more prone to accidents.  

Roadside Insurance

There is nothing worse than breaking down on the side of the road with a motorcycle. Motorcycle insurance helps you tow your bike to the nearest shop and covers flat tires, battery failure, mechanical breakdowns, and more.

Collision Coverage

Motorcycle insurance will repair or replace your motorcycle during accidents, theft, or damage from natural disasters.

For more information on motorcycle insurance in San Antonio, TX reach out to  Access Insurance Services.