What is the difference between a liability vs full coverage insurance motorcycles?
Duke asked:
Also, what is the cost of each insurance? And which one should I get? I am 18 and going and live in PA. Thanks to anyone who could help.
Reply:
It is the same as with car insurance. If you only have liability, then you are covered for accidents you cause and the insurance company will pay out to the other driver (up to policy limits). Damage to your bike will not be covered. Basic liability isn't too expensive, but it depends on your age and the size of your bike's motor.
If you have full coverage, then your bike will be fixed no matter who is at fault. You really only need this coverage if you have a new bike. Full coverage can be expensive - once again it is based on your age and the size of the bike's motor.
I currently pay about $350/year for full coverage on an 1100 cc bike (Moto Guzzi).
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Tagged with: Insurance Motorcycles
Filed under: Motorcyle Insurance FAQ
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about 2000 every 6 months i would put it under my parents name if i were u
No.
All vehicles registered for use on the public highway have to have insurance. Just because a motorcycle can do 70+ mph and does not have any doors does not mean it does not need to be insured.
The sport bikes tend to be more expensive to insure than the cruising bikes. And just because it has 2 wheels instead of 4 – does not mean it will be cheaper than a car to insure. The rate of injuries for motorcycle riders and passengers is very very high. (In folks in the medical profession call them "donor-cycles" for a reason)
Also – you want to put Under-Insured motorist coverage on the bike. I've handled a lot of motorcycle claims and most of the folks have not been killed- have been severely injured. The insurance limits of the car that hit them has never been enough to cover the medical bills. Therefore, in my personal opinion – under-insured motorist coverage is a must if you are going to have a motorcycle.
If you have a choice of one of the two as you main means of transportation – consider the car. You can drive it in the rain, it's easier to bring groceries home from the store, your dates hair won't get messed up and it's harder to steal.
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