The weather is warming up, and motorcycle riders are eager to hit the road. New Hampshire is one of the top states for motorcycle ownership, coming in just after Montana for most motorcycle registrations per 100,000 people. However, we are also among the safest states when it comes to motorcycle fatalities. In 2020, New Hampshire had the second-fewest motorcycle fatalities after Alaska. At Brownell Insurance Services, we do our part to protect motorcycle owners and riders with motorcycle insurance coverage.
When it comes to motorcycle insurance, there are multiple types of coverage that you should have.
When we’re talking about insurance for any vehicle, the coverage either protects you or the vehicle. Liability coverage is a type of insurance that protects you if you are responsible for causing an accident that damages someone’s property or injures another person. Usually, liability insurance includes bodily injury and property damage liability under the same policy.
Uninsured or Underinsured Motorist Coverage
This is the other type of coverage that protects you if you are in an accident. It differs from liability coverage in that it protects you if you are the victim of an accident caused by someone else. The reason you should have this coverage is that it protects you if the other motorist does not have insurance or does not have adequate insurance to cover the damage to your motorcycle or your injuries.
This is the type of insurance that most people think of when they hear the term “motorcycle insurance.” Collision coverage is a type of motorcycle insurance that covers damage to your vehicle as the result of an accident. Depending on your policy and the extent of the damage, collision insurance can help pay for the repairs to your motorcycle or even replace it.
Finally, there is comprehensive coverage. This covers you in the event of theft, fire, flood, or other weather-related damage. Some people choose to forgo this coverage, but we advise against it. If nothing else, you will have peace of mind knowing that you can afford to replace your motorcycle if the worst happens to it.