It isn’t exactly a secret that you need liability insurance coverage to keep your bike legal while out on the road. However, if you’ve never purchased it before, you might not know what the process is like and that’s where our Advantage Insurance Network team is here to help. Here are a few things you need to know about purchasing motorcycle insurance in Cincinnati, OH.
Liability and First-Party Coverage
Just like when you’re purchasing auto insurance, there are two types of motorcycle insurance you have to consider: liability and first-party coverage.
Liability is what you need to stay legal. This pays for any medical bills for other people or property damage costs if you’re in an accident that is deemed your fault. Usually, liability is pretty affordable and there are a few different coverage tier levels you can choose from.
First-party coverage is what covers you, your passenger, and your bike if you’re involved in an accident. And it doesn’t matter who caused the incident.
The most common first-party coverages you need to be aware of our comprehensive, collision, and medical payments. Comprehensive and collision pay for damages to the motorcycle, while medpay helps take care of any hospital or doctor bills you might have after a crash.
Other Optional Coverages
Of course, your coverage options don’t end there. If you have any special equipment on your motorcycles, such as saddlebags or any upgrades, you’ll want to ensure your policy covers those, too. There are also coverages for emergency road service and towing, which are helpful if you’re on a ride and your bike suddenly breaks down.
Ready to purchase quality motorcycle insurance coverage in Cincinnati, OH for your bike? Please contact our Advantage Insurance Network team today for more information.