Owning a motorcycle in Ft. Wayne, IN, is not only fun but convenient as well. However, with that excitement, you are also responsible for ensuring you are protected when you hit the roads. If you are unsure which coverage is right for you, Wise Insurance Agency explains some of them and how they protect you.
Bodily Injury Liability
This type of coverage helps cover medical expenses and lost wages resulting from injuries or death of another person when you were at fault. However, note that if you get injured, this coverage will not cover your medical expenses, and you need a separate policy for that.
Property Damage Liability Coverage
If you get into an accident and damage someone else’s property where you are at fault, this type of coverage helps cover the cost of repairing or replacing the damaged items. It can be damage to someone’s car, fence, home, or any other structure.
Medical Payments Coverage
Medical payments coverage helps pay for medical bills like x-rays and ambulance rides arising from injuries to you or your passengers after an accident on your motorcycle. With this coverage, you do not have to go back into your pocket as your insurance company takes care of these expenses.
This type of coverage is particularly important when your motorcycle gets damaged in a collision with other objects like a tree, a car, a building, or another bike. Collision coverage will help cover the repair or replacement costs for your motorcycle.
Any damage to your vehicle that is not a result of a collision is covered under comprehensive coverage. This includes things like theft, vandalism, wind, and flooding. If your vehicle suffers damage from those risks, this policy helps cover the resulting expenses.
Getting motorcycle insurance is crucial if you want to feel confident on the road. Residents of Ft. Wayne, IN, who are looking for coverage that will meet their needs can contact Wise Insurance Agency for assistance on choosing a policy.