What Does Comprehensive Motorcycle Insurance Cover?
Comprehensive motorcycle insurance covers motorcycles damaged in situations that do not involve other vehicles or drivers. This type of coverage is usually required if the motorcycle was bought with a loan. Insurance companies typically offer lower rates if the motorcycle owner takes preventative measures against theft and vandalism, such as locking the motorcycle in a garage, using wheel locks and installing an anti-theft alarm system.
Other People Are Reading
-
Natural Elements
-
Comprehensive motorcycle insurance covers motorcycles that have been damaged in weather-related incidents, such as storms, hail, flooding and high winds. Natural elements also typically include earthquakes, fire, falling rocks, debris and sinkholes.
Animal Collision
-
A comprehensive insurance policy covers motorcycles damaged or wrecked by hitting animals, such as deer, cows, wild fowl, bison and moose.
-
Nonresistant or Passive Objects
-
Comprehensive motorcycle insurance policies cover a motorcycle damaged by an inanimate object, including falling signs, trees or light poles.
Civil Upset
-
Comprehensive coverage pays for repairing a motorcycle damaged during civil upsets such as riots, political protests and wars.
Theft
-
Stolen motorcycles are rarely found because they are usually "stripped." A comprehensive motorcycle insurance policy typically covers the cost of the bike and the motorcycle's custom parts and equipment.
Vandalism
-
Comprehensive motorcycle insurance covers the repairs of a motorcycle damaged during acts of vandalism, malicious destruction and attempted theft.
-
