Motorcycle Insurance in Ohio

Whether you use your motorcycle for leisure activities, daily commute, or an integral part of business, it’s important to have it covered from risks on the road. According to the National Highway Traffic Safety Administration, motorcyclists are more prone to accidents than motorists.

All states (except Florida) require riders to take out liability insurance policies to cover property damage and bodily injury caused by motorcycle accidents. Here are other types of motorcycle insurance that Preferred Insurance Center in Coldwater, OH offers:

Comprehensive Coverage

This policy covers loss due to theft and ‘act of god’ incidents like damage caused by fires, flooding, falling objects, and hail. Comprehensive policies are beneficial for seasonal riders, as it keeps your bike protected while in storage. Our policy also caters to replacement costs if the bike is written off.

Collision insurance

This policy covers damages caused when a motorcycle collides with another vehicle or object. The coverage pays for repairs done on the motorcycle and replacement costs. If you had leased the motorcycle or purchased it using a loan, the lessee or lender may require the rider to take out collision coverage too. Also, if the motorcycle has many custom features that add to its value, the coverage doesn’t always cover such damage because they aren’t reflected on its book value.

Personal Injury Protection

This is an essential policy for riders because it caters to their medical expenses and lost wages caused by injuries after an accident. Since the comprehensive policy doesn't include PIP benefits, riders must take out this policy separately. It’s similar to medical payments coverage, but the benefits are broader.

Uninsured or Underinsured Motorist Cover

The policy pays for the damage experienced by the rider and their property when another motorist hasn't taken out an insurance policy or doesn't have enough insurance. Our underinsured policy also covers lost wages, medical bills, and property damage.

Where to Get Motorcycle Insurance in Ohio

If you just bought a motorcycle or have had one but haven't insured it, visit Preferred Insurance Center in Coldwater, OH. Our representatives will explain the type of insurance covers available based on your needs, and you can sign up as soon as you’re ready.