You love the feeling of freedom when riding your motorcycle. But with pleasure comes responsibility. In Nashville, NC, motorcycle and scooter owners are required to carry liability insurance. But, what can you reasonably expect the insurance policy to cover in case of an accident? Steiner Insurance Group explains the different types of coverage included in your policy.
The liability coverage refers to the amount you are legally obliged to pay for another person’s injuries and property damage. The liability cover extends to your family members or other persons using your motorcycle with permission.
Medical payment coverage
If you or your family members are injured in the accident while riding your insured motorcycle, the policy will pay for any medical or funeral expenses resulting from the accident, including the medical care and rehabilitation costs needed to return you to health. The policy will pay for each injured individual up to the listed coverage limits.
Collision coverage and other than collision coverage
Collision coverage will pay for physical damage that occurred during the accident. It usually refers to the damage caused by the impact of another vehicle or object. Other than collision coverage pays for damages caused by falling objects, fire, theft, hail, or animals.
Uninsured/underinsured motorist coverage.
Uninsured and underinsured coverage protects you when someone else causes the accident. If the guilty party does not have insurance or has a very small coverage limit, your policy helps you recover your own insurance shortfall. The coverage extends to both medical bills and costs of repairs to your motorcycle.
Life is unpredictable, so prepare to take care of your family and your property by talking to Steiner Insurance Group experts in Nashville, NC.