What Does Motorcycle Insurance In South Carolina Cover?
Motorcycle insurance has many different coverage options that all effect the price of your motorcycle insurance policy. Insurance companies may differ in how they handle these policy options so make sure to ask your agent if you have any questions.
Motorcycle Insurance Coverage
- Liability: Liability coverage pays for damages or injuries you cause to others in an accident, including property damage and bodily injury.
- Collision: Collision coverage pays for damage to your motorcycle if you collide with another vehicle or object.
- Comprehensive: Comprehensive coverage pays for damage to your motorcycle from non-collision events, such as theft, vandalism, or weather-related damage.
- Uninsured/Underinsured motorist: Uninsured/underinsured motorist coverage pays for damages and injuries if you are involved in an accident with someone who does not have insurance or has insufficient insurance to cover the damages.
- Medical payments: Medical payments coverage pays for medical expenses for you and your passengers if you are injured in an accident.
Additionally, motorcycle insurance policies may offer coverage for optional add-ons, such as:
- Aftermarket parts: Coverage for aftermarket parts and accessories that are added to your motorcycle.
- Roadside assistance: Coverage for emergency roadside assistance, such as towing, fuel delivery, and lockout services.
- Trip interruption: Coverage for expenses related to a breakdown or accident that occurs while on a trip, such as lodging, meals, and transportation.
It's important to carefully review your motorcycle insurance policy to understand what types of coverage are included and any limitations or exclusions that may apply.
What Does Motorcycle Insurance In South Carolina Not Cover?
- Wear and tear: Motorcycle insurance typically does not cover repairs or replacements needed due to normal wear and tear.
- Intentional acts: Damage caused intentionally, such as vandalism or reckless driving, is not covered by motorcycle insurance.
- Racing: Motorcycle insurance typically does not cover damage or injuries sustained while racing.
- Off-road use: If you use your motorcycle for off-road activities, such as dirt biking or motocross, it may not be covered by your insurance policy.
- Customizations: Customizations, such as paint jobs, chrome parts, or additional accessories, may not be fully covered under a standard motorcycle insurance policy.
- Illegal activities: If you cause an accident while engaging in illegal activities, such as street racing or committing a crime, your motorcycle insurance may not cover the damages or injuries.
It's important to carefully review your motorcycle insurance policy to understand what is and is not covered. If you have any questions about your coverage or exclusions, it's always best to speak with your insurance agent
Insurance Shopping Expert Tip: "In our years of experience we have heard the insurance term insurance poor many times. We want to make sure you have all the coverage you need to protect you at a fair price. We have never heard someone say they had too much insurance when something bad happens."