Owning and driving a car or motorcycle can be a lot of fun, but only if you have the right insurance to make sure you’re protected. Each of these vehicles has its own specific types of coverage, and The Blessing Insurance Agency can help you understand the difference and find the perfect policy to keep you safe on the road.
Auto or car insurance coverage has two parts. The first is the liability section of the policy, which covers your financial responsibility for injuring others. Some liability coverage is required by most states.
The second part of auto insurance covers the car itself. Comprehensive coverage reimburses losses from fire, theft, or other perils, whereas collision coverage pays to repair losses caused by an accident. Oftentimes, this coverage is mandated by leasing companies or banks. There are also ancillary medical coverage, car rental coverage, and other coverages which vary by state.
Although it is similar to standard auto insurance in many ways, motorcycle insurance is its own separate category with its own stipulations. When you purchase motorcycle insurance, you pay a set premium to an insurance company for coverage. In return, the company promises to pay for specific financial losses that might occur during the term of the policy.
Most people rely on motorcycle insurance to protect themselves against loss in case of an accident. In many states, you must carry basic insurance to cover the cost of losses you cause to others in an accident.
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