Motorcycle Insurance in Virginia

If you're like most Virginia motorcycle buffs, driving a bike is an exhilarating experience. It can also be a very dangerous experience. Having adequate motorcycle insurance in place is your first line of defense to protect yourself, ensure the safety of others, and to cover you for liability in case unforeseen circumstances occur.

What Is Motorcycle Insurance?

Motorcycle insurance doesn't just provide coverage that protects your motorcycle from damage due to accidents and collisions; it also is required to cover liability risks. Your motorcycle insurance policy covers your motorcycle just like car insurance, but it's also specialized for the specific risks of bikes. Liability protection is so important that it is required in every state.

What Is Included In A Motorcycle Insurance Policy?

When you meet with your insurance agent, they will help you select an insurance policy specifically designed for you, to cover all your possible liabilities and to keep you and your bike safe from damage, injury, and liability. A typical Virginia Beach, VA motorcycle insurance policy will include:

• Liability: Liability insurance will cover any injury or damage to others or their property, and includes medical coverage. There are also policies that can add a second rider.
• Collision: Provides protection from any damage to your motorcycle resulting from an accident, whether you are at fault or not.
• Comprehensive: Protects your bike from non-collision incidents, such as theft, vandalism, flood, or fire.
• Uninsured/Underinsured Motorist: This coverage protects your interests when the other party involved in an accident does not have insurance.

You can also add extra umbrella insurance for additional liability coverage to protect you and your assets in the event of a collision caused by you that damages a stationary object that requires replacement or repair, or an accident that results in extensive medical bills, lost time at work, or long-term care.

How Much Motorcycle Insurance Do I Need?

When it comes to motorcycle insurance, once size does not fit all. Your insurance needs are unique. In order to get the right amount and type of insurance protection for your bike, talk to an agent at Armor Insurance Group today in Virginia Beach, VA at (757) 213-6893, or drop by our office to discuss your new motorcycle insurance coverage needs.