{"id":6377,"date":"2021-04-29T15:11:59","date_gmt":"2021-04-29T20:11:59","guid":{"rendered":"http:\/\/amco-insurance.three.zysites.com\/blog\/understanding-the-elements-of-motorcycle-insurance\/"},"modified":"2024-10-24T08:33:04","modified_gmt":"2024-10-24T13:33:04","slug":"understanding-the-elements-of-motorcycle-insurance","status":"publish","type":"post","link":"https:\/\/www.getamco.com\/es\/blog\/understanding-the-elements-of-motorcycle-insurance\/","title":{"rendered":"Understanding the Elements of Motorcycle Insurance"},"content":{"rendered":"<p>Just like with a vehicle, your motorcycle faces a variety of dangers both on and off the road that should be protected by insurance. <a href=\"https:\/\/www.amco.net\/coverage\/motorcycle\/\">Motorcycle insurance<\/a> has many different elements of coverage designed for your bike.<\/p>\n<p><strong>Required Motorcycle Insurance \u00a0<\/strong><\/p>\n<p>Almost all states require vehicle operators, including bikers, to carry vehicle insurance.<\/p>\n<p>Usually, the required coverage is liability protection. This insurance protects the harm you might cause to others in a vehicle accident. For example, if you rear-end someone, you will likely be responsible for that person\u2019s damage. You can use the liability coverage to help compensate that party for their damage.<\/p>\n<p>Texas requires a minimum amount of coverage including:<\/p>\n<ul class=\"BulletListStyle1 SCXW256580051 BCX0\" style=\"margin: 0px; padding: 0px;\" role=\"list\">\n<li class=\"OutlineElement Ltr BCX0 SCXW256580051\" style=\"margin: 0px 0px 0px 24px; padding: 0px;\" role=\"listitem\" data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"4\" aria-setsize=\"-1\" data-aria-posinset=\"1\" data-aria-level=\"1\">\n<p class=\"Paragraph SCXW256580051 BCX0\" style=\"color: windowtext; background-color: transparent; margin: 0px; padding: 0px;\"><span class=\"TextRun SCXW256580051 BCX0\" style=\"margin: 0px; padding: 0px;\" data-contrast=\"auto\">$30,000 in bodily injury liability per person<\/span><span class=\"EOP SCXW256580051 BCX0\" style=\"margin: 0px; padding: 0px;\" data-ccp-props=\"{'134233117':true,'134233118':true,'201341983':0,'335559740':240}\">\u00a0<\/span><\/p>\n<\/li>\n<li class=\"OutlineElement Ltr BCX0 SCXW256580051\" style=\"margin: 0px 0px 0px 24px; padding: 0px;\" role=\"listitem\" data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"4\" aria-setsize=\"-1\" data-aria-posinset=\"2\" data-aria-level=\"1\">\n<p class=\"Paragraph SCXW256580051 BCX0\" style=\"color: windowtext; background-color: transparent; margin: 0px; padding: 0px;\"><span class=\"TextRun SCXW256580051 BCX0\" style=\"margin: 0px; padding: 0px;\" data-contrast=\"auto\">$60,000 in bodily injury liability per accident<\/span><span class=\"EOP SCXW256580051 BCX0\" style=\"margin: 0px; padding: 0px;\" data-ccp-props=\"{'134233117':true,'134233118':true,'201341983':0,'335559740':240}\">\u00a0<\/span><\/p>\n<\/li>\n<li class=\"OutlineElement Ltr BCX0 SCXW256580051\" style=\"margin: 0px 0px 0px 24px; padding: 0px;\" role=\"listitem\" data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"4\" aria-setsize=\"-1\" data-aria-posinset=\"3\" data-aria-level=\"1\">\n<p class=\"Paragraph SCXW256580051 BCX0\" style=\"color: windowtext; background-color: transparent; margin: 0px; padding: 0px;\"><span class=\"TextRun SCXW256580051 BCX0\" style=\"margin: 0px; padding: 0px;\" data-contrast=\"auto\">$25,000 in property damage liability<\/span><span class=\"EOP SCXW256580051 BCX0\" style=\"margin: 0px; padding: 0px;\" data-ccp-props=\"{'134233117':true,'134233118':true,'201341983':0,'335559740':240}\">\u00a0<\/span><\/p>\n<\/li>\n<\/ul>\n<p>Keep in mind, each state sets different requirements. Some will require higher liability elements. Others will require different forms of coverage. These might include:<\/p>\n<ul class=\"BulletListStyle1 SCXW220295757 BCX0\" style=\"margin: 0px; padding: 0px;\" role=\"list\">\n<li class=\"OutlineElement Ltr BCX0 SCXW220295757\" style=\"margin: 0px 0px 0px 72px; padding: 0px;\" role=\"listitem\" data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"2\" aria-setsize=\"-1\" data-aria-posinset=\"1\" data-aria-level=\"1\">\n<p class=\"Paragraph SCXW220295757 BCX0\" style=\"color: windowtext; background-color: transparent; margin: 0px; padding: 0px;\"><span class=\"TextRun SCXW220295757 BCX0\" style=\"margin: 0px; padding: 0px;\" data-contrast=\"auto\"><strong>Uninsured\/underinsured coverage:<\/strong><\/span><span class=\"TextRun SCXW220295757 BCX0\" style=\"margin: 0px; padding: 0px;\" data-contrast=\"auto\"> Use this protection if another at-fault driver <\/span><span class=\"TextRun SCXW220295757 BCX0\" style=\"margin: 0px; padding: 0px;\" data-contrast=\"auto\">does not <\/span><span class=\"TextRun SCXW220295757 BCX0\" style=\"margin: 0px; padding: 0px;\" data-contrast=\"auto\">carry enough liability insurance (or any at all). This protection can help you pay for your own damage for which someone else was responsible.<\/span> <span class=\"EOP SCXW220295757 BCX0\" style=\"margin: 0px; padding: 0px;\" data-ccp-props=\"{'134233117':true,'134233118':true,'201341983':0,'335559685':1080,'335559731':0,'335559740':240}\">\u00a0<\/span><\/p>\n<\/li>\n<li class=\"OutlineElement Ltr BCX0 SCXW220295757\" style=\"margin: 0px 0px 0px 72px; padding: 0px;\" role=\"listitem\" data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"2\" aria-setsize=\"-1\" data-aria-posinset=\"2\" data-aria-level=\"1\">\n<p class=\"Paragraph SCXW220295757 BCX0\" style=\"color: windowtext; background-color: transparent; margin: 0px; padding: 0px;\"><span class=\"TextRun SCXW220295757 BCX0\" style=\"margin: 0px; padding: 0px;\" data-contrast=\"auto\"><strong>Personal injury protection<\/strong><\/span><span class=\"TextRun SCXW220295757 BCX0\" style=\"margin: 0px; padding: 0px;\" data-contrast=\"auto\"><strong>:<\/strong> Pays for your own medical needs following a wreck.<\/span> <span class=\"EOP SCXW220295757 BCX0\" style=\"margin: 0px; padding: 0px;\" data-ccp-props=\"{'134233117':true,'134233118':true,'201341983':0,'335559685':1080,'335559731':0,'335559740':240}\">\u00a0<\/span><\/p>\n<\/li>\n<\/ul>\n<p>In some cases, you might be able to decline certain portions of required coverage. For example, if you can self-insure, you could possibly decline certain coverage. Still, you should never go without the proper financial protection.<\/p>\n<p><strong>Other Coverage to Add to Your Policy \u00a0<\/strong><\/p>\n<p>Remember, your state\u2019s required coverage is set at minimum levels. You\u2019ll likely need expanded coverage to protect the true value invested in your bike.<\/p>\n<ul class=\"BulletListStyle1 SCXW248317635 BCX0\" style=\"margin: 0px; padding: 0px;\" role=\"list\">\n<li class=\"OutlineElement Ltr BCX0 SCXW248317635\" style=\"margin: 0px 0px 0px 72px; padding: 0px;\" role=\"listitem\" data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"3\" aria-setsize=\"-1\" data-aria-posinset=\"1\" data-aria-level=\"1\">\n<p class=\"Paragraph SCXW248317635 BCX0\" style=\"color: windowtext; background-color: transparent; margin: 0px; padding: 0px;\"><span class=\"TextRun SCXW248317635 BCX0\" style=\"margin: 0px; padding: 0px;\" data-contrast=\"auto\">Ask your insurance agent to <\/span><span class=\"TextRun SCXW248317635 BCX0\" style=\"margin: 0px; padding: 0px;\" data-contrast=\"auto\">increase <\/span><span class=\"TextRun SCXW248317635 BCX0\" style=\"margin: 0px; padding: 0px;\" data-contrast=\"auto\">your liability limits. This move can help to make your potential duty to others more secure.<\/span> <span class=\"EOP SCXW248317635 BCX0\" style=\"margin: 0px; padding: 0px;\" data-ccp-props=\"{'134233117':true,'134233118':true,'201341983':0,'335559685':1080,'335559731':0,'335559740':240}\">\u00a0<\/span><\/p>\n<\/li>\n<li class=\"OutlineElement Ltr BCX0 SCXW248317635\" style=\"margin: 0px 0px 0px 72px; padding: 0px;\" role=\"listitem\" data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"3\" aria-setsize=\"-1\" data-aria-posinset=\"2\" data-aria-level=\"1\">\n<p class=\"Paragraph SCXW248317635 BCX0\" style=\"color: windowtext; background-color: transparent; margin: 0px; padding: 0px;\"><span class=\"TextRun SCXW248317635 BCX0\" style=\"margin: 0px; padding: 0px;\" data-contrast=\"auto\">Consider buying <\/span><span class=\"TextRun SCXW248317635 BCX0\" style=\"margin: 0px; padding: 0px;\" data-contrast=\"auto\">collision coverage. <\/span><span class=\"TextRun SCXW248317635 BCX0\" style=\"margin: 0px; padding: 0px;\" data-contrast=\"auto\">This protection can help you pay for damage to your own bike following a wreck.<\/span> <span class=\"EOP SCXW248317635 BCX0\" style=\"margin: 0px; padding: 0px;\" data-ccp-props=\"{'134233117':true,'134233118':true,'201341983':0,'335559685':1080,'335559731':0,'335559740':240}\">\u00a0<\/span><\/p>\n<\/li>\n<li class=\"OutlineElement Ltr BCX0 SCXW248317635\" style=\"margin: 0px 0px 0px 72px; padding: 0px;\" role=\"listitem\" data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"3\" aria-setsize=\"-1\" data-aria-posinset=\"3\" data-aria-level=\"1\">\n<p class=\"Paragraph SCXW248317635 BCX0\" style=\"color: windowtext; background-color: transparent; margin: 0px; padding: 0px;\"><span class=\"TextRun SCXW248317635 BCX0\" style=\"margin: 0px; padding: 0px;\" data-contrast=\"auto\">Also ask about <\/span><span class=\"TextRun SCXW248317635 BCX0\" style=\"margin: 0px; padding: 0px;\" data-contrast=\"auto\">comprehensive protection. <\/span><span class=\"TextRun SCXW248317635 BCX0\" style=\"margin: 0px; padding: 0px;\" data-contrast=\"auto\">It can pay for your bike&#8217;s damage from non-accident hazards like fire,\u00a0<\/span><span class=\"TextRun SCXW248317635 BCX0\" style=\"margin: 0px; padding: 0px;\" data-contrast=\"auto\">weather<\/span><span class=\"TextRun SCXW248317635 BCX0\" style=\"margin: 0px; padding: 0px;\" data-contrast=\"auto\">\u00a0or theft.<\/span> <span class=\"EOP SCXW248317635 BCX0\" style=\"margin: 0px; padding: 0px;\" data-ccp-props=\"{'134233117':true,'134233118':true,'201341983':0,'335559685':1080,'335559731':0,'335559740':240}\">\u00a0<\/span><\/p>\n<\/li>\n<li class=\"OutlineElement Ltr BCX0 SCXW248317635\" style=\"margin: 0px 0px 0px 72px; padding: 0px;\" role=\"listitem\" data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"3\" aria-setsize=\"-1\" data-aria-posinset=\"4\" data-aria-level=\"1\">\n<p class=\"Paragraph SCXW248317635 BCX0\" style=\"color: windowtext; background-color: transparent; margin: 0px; padding: 0px;\"><span class=\"TextRun SCXW248317635 BCX0\" style=\"margin: 0px; padding: 0px;\" data-contrast=\"auto\">Many policies offer roadside assistance, towing or rental car coverage. Therefore, following vehicle problems,\u00a0<\/span><span class=\"TextRun SCXW248317635 BCX0\" style=\"margin: 0px; padding: 0px;\" data-contrast=\"auto\">you\u2019ll<\/span><span class=\"TextRun SCXW248317635 BCX0\" style=\"margin: 0px; padding: 0px;\" data-contrast=\"auto\">\u00a0have protection for residual costs.<\/span> <span class=\"EOP SCXW248317635 BCX0\" style=\"margin: 0px; padding: 0px;\" data-ccp-props=\"{'134233117':true,'134233118':true,'201341983':0,'335559685':1080,'335559731':0,'335559740':240}\">\u00a0<\/span><\/p>\n<\/li>\n<\/ul>\n<p>Remember, the limits you select on your policy must reflect your own bike value and driving risks. Help your agent understand the full financial investment you have on your bike. With the right coverage, you can make yourself much more secure.<\/p>\n<p>Shop around and speak with an insurance agent about protecting your motorcycle.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Just like with a vehicle, your motorcycle faces a variety of dangers both on and off the road that should be protected by insurance. Motorcycle insurance has many different elements of coverage designed for your bike. Required Motorcycle Insurance \u00a0 Almost all states require vehicle operators, including bikers, to carry vehicle insurance. Usually, the required [&hellip;]<\/p>\n","protected":false},"author":35,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_seopress_robots_primary_cat":null,"_seopress_titles_title":"","_seopress_titles_desc":"","_seopress_robots_index":"","_analytify_skip_tracking":false,"footnotes":""},"categories":[1],"tags":[],"class_list":["post-6377","post","type-post","status-publish","format-standard","hentry","category-blog"],"acf":[],"_links":{"self":[{"href":"https:\/\/www.getamco.com\/es\/wp-json\/wp\/v2\/posts\/6377","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.getamco.com\/es\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.getamco.com\/es\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.getamco.com\/es\/wp-json\/wp\/v2\/users\/35"}],"replies":[{"embeddable":true,"href":"https:\/\/www.getamco.com\/es\/wp-json\/wp\/v2\/comments?post=6377"}],"version-history":[{"count":0,"href":"https:\/\/www.getamco.com\/es\/wp-json\/wp\/v2\/posts\/6377\/revisions"}],"wp:attachment":[{"href":"https:\/\/www.getamco.com\/es\/wp-json\/wp\/v2\/media?parent=6377"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.getamco.com\/es\/wp-json\/wp\/v2\/categories?post=6377"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.getamco.com\/es\/wp-json\/wp\/v2\/tags?post=6377"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}