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What is Motorcycle Insurance?

Riding a motorcycle is great fun, but it comes with a given amount of risk. In addition to the physical risk that riders assume, they also accept some financial risk. Each year, thousands of motorcycle accidents result in significant settlements. Motorcycle insurance doesn’t protect Massachusetts riders from the physical risks they face, but it may help mitigate financial risks that come with riding.

Motorcycle insurance policies are like auto insurance policies, but they’ve been specially adapted for motorcycles. The combination of coverages they offer is often slightly tweaked to meet the unique needs of riders.

What Coverages Are Available Through Motorcycle Policies?

Some of the coverages that are available through motorcycle policies are similar to those found in auto policies. For example, many motorcycle policies provide:

  • Personal Injury Protection (PIP), which normally covers injuries sustained by people on a bike
  • Bodily Injury Liability Coverage, which normally covers injuries sustained by other people
  • Comprehensive and Collision Coverage, which normally covers damage sustained by a bike
  • Property Damage Liability Coverage, which normally covers damage caused to other property
  • Uninsured and Underinsured Motorist Coverage, which normally covers accidents caused by other people who aren’t properly insured

In addition to these, some motorcycle policies also make other protections available. For example, a policy might offer:

  • Accessories and Customer Parts Coverage, which may cover aftermarket parts
  • OEM Parts Coverage, which might guarantee covered repairs are made using OEM parts
  • Personal Belongings Coverage, which may cover belongings carried on a bike

Motorcycle Insurance Massachusetts

Who in Massachusetts Needs a Motorcycle Policy?

Most Massachusetts residents who ride a motorcycle need a motorcycle policy. State law requires that anyone who operates a vehicle, including a motorcycle, on public roads maintenance and insurance policy that includes at least minimum levels of coverage.

In addition to motorcycle owners, people who have a scooter or moped may also be interested in this type of policy. A motorcycle policy can sometimes be adapted to insure a scooter or moped.

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Are Motorcycle Policies Expensive?

As is true with auto insurance and many other insurance policies, the premiums charged for motorcycle policies vary. Insurance companies take into account many factors when calculating how much policies cost. Some of the items they may consider include:

  • How large a bike is
  • What type of motorcycle a bike is
  • What aftermarket parts have been added onto a bike
  • How much experience the rider has
  • What the primary rider’s past record is like

Of course, the coverages chosen also play a role in how much a policy costs.

Motorcycle Insurance Massachusetts

Do Motorcycle Owners Need Coverage During Winter?

Riders who store their bikes during winter may be able to save money by reducing coverages during the off-season, but it’s usually not wise to cancel a policy altogether.

Canceling coverage can leave a bike unprotected from damage, and it can result in a coverage gap. Gaps can lead to higher premiums in the future.

An alternative is to reduce coverages during winter while a bike is in storage. Some insurers offer comprehensive-only policies for very low rates. These policies may insure a bike against damage, and they usually can be used to maintain continuous coverage.

Riders who are interested in altering coverages based on the season should talk with an independent insurance agent who’s familiar with motorcycle policies. Such an agent will know what options are available and be able to compare the various options that different insurers offer.

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How Can Massachusetts Riders Get Motorcycle Insurance?

For help finding motorcycle insurance, contact the insurance agents at Paul T. Murphy Insurance. We’ve helped many riders in Massachusetts find a policy that’s affordable and offers robust coverage, and our independent agents will be happy to assist you.

Get a Free Motorcycle Insurance Quote!