Motorcycles are the ultimate expression of freedom. You can go where you want when you want, and how fast you want. But there’s a catch: they’re also more dangerous than cars! Here’s what makes insuring a motorcycle different from insuring a car.
1. Generally More Expensive to Insure
Motorcycles are more expensive to insure than cars, in most cases. That’s not to say it costs more to own a motorcycle; in fact, they’re generally cheaper to maintain and operate. However, they’re more expensive to insure because they’re more dangerous. Statistics show that motorcycle riders are three times as likely to be injured in a crash than car drivers and 29 times as likely to die.
2. Passenger Insurance Coverage
While a motorcycle will have standard coverage for a single driver, it doesn’t typically come with insurance for a passenger unless you purchase an endorsement. If you plan to drive around with a friend on the back, make sure you know what your policy covers.
3. Personal Injury Protection
Another significant difference between motorcycle and car insurance is that a motorcycle insurance policy generally won’t include Personal Injury Protection (PIP). PIP covers medical expenses for you or a passenger in your car, no matter who was at fault. If you don’t have this coverage, you could be responsible for thousands of dollars if you’re injured in a crash. In Rhode Island, MedPay is similar to PIP. It’s a claim that benefits the insured, not their motorcycle. MedPay can help pay for your medical bills after an accident, regardless of who is at fault.
Get Motorcycle Insurance in South Kingstown, RI
Motorcycle insurance is very different from car insurance, and you need to make sure your policy covers the right things for you before you take out your bike. If you have any questions about motorcycle insurance in South Kingstown, RI, Kingston Insurance Agency LLC is always available to answer your questions and help you find the right policy.