Motorcycle Insurance in Dayton, OH

There’s no telling if a road accident or motorcycle damage could cause severe financial trouble. To prepare yourself for these risks, consider purchasing motorcycle insurance. This policy may provide crucial funds for repair costs, medical expenses and legal fees following accidents and other unforeseen events.

How Does Motorcycle Insurance Work?

When you purchase motorcycle insurance, you pay a premium to your insurance provider in exchange for financial protection in case of accidents, theft or other covered events. The insurance may cover your bike, injuries and liabilities depending on your policy. You can customize coverage based on your needs and budget. You may also add optional coverage, such as uninsured motorist coverage or roadside assistance.

If you’re involved in an incident, you file a claim with your insurance provider. After assessing the damage and verifying the details, the insurer may compensate you according to your policy terms, minus any deductibles.

What Does Motorcycle Insurance Cover?

Standard motorcycle insurance policies often include the following coverages:

• Liability coverage may compensate for damage or injuries you cause to others.
• Collision coverage may pay for repairs to your bike after an accident.
• Comprehensive coverage may protect against financial loss due to noncollision events like fire and theft.
• Medical payments coverage may reimburse medical expenses for you and your passenger after an accident.
• Uninsured/underinsured motorist coverage may provide financial aid following an accident with an at-fault driver who lacks sufficient insurance.

You may also select optional add-ons, such as gear and accessories coverage, roadside assistance and total loss coverage for new motorcycles. An insurance professional from Universal Insurance Agency can help assess your situation and determine the types of coverage you need.

Learn More

Motorcycle insurance is essential for every rider. Contact Universal Insurance Agency today for expert guidance and a personalized quote.