Liability vs. Full Coverage Insurance: What’s Best for Your Bike?

If you ride in Worth, IL, having the right motorcycle insurance is more than just a legal requirement; it’s an important way to help protect yourself financially. Two of the most common options are liability and full coverage insurance. Understanding the differences can help you decide which is right for your bike and your budget.

What Is Liability Insurance?

Liability coverage helps pay for injuries or property damage you cause to others in an accident. It typically includes:

• Bodily injury liability may help cover the other party’s medical expenses, lost wages and legal costs.
• Property damage liability may help pay to repair or replace another person’s vehicle or property.

Liability insurance is usually the minimum required by state law. However, it does not cover your own injuries or damage to your bike.

What Is Full Coverage Insurance?

Full coverage generally includes liability protection plus two additional types of coverage:

• Collision coverage may help pay for repairs to your bike after an accident, regardless of fault.
• Comprehensive coverage may help cover noncollision damage, such as theft, vandalism, fire or certain weather events.

Full coverage may also include optional protections like roadside assistance, rental reimbursement or custom parts coverage.

Which Is Right for You?

The right choice depends on your bike’s value, how often you ride, lender and state requirements, and your risk tolerance.

• Liability coverage might be sufficient if you have an older motorcycle with a lower market value.
• Full coverage could help protect your investment and reduce out-of-pocket repair or replacement costs if you own a newer or more expensive bike.

Learn More

Motorcycle insurance isn’t one-size-fits-all. Contact Harlem Insurance Agency today to tailor a policy to your needs.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.