Choosing Motorcycle insurance Options

Michigan is a beautiful place to ride your motorcycle. Michigan law requires you to have motorcycle insurance. At The Ryan Insurance Agency in Clarkston, MI, we offer several motorcycle policy options to keep you safe and in compliance. 

Motorcycle Liability

Liability insurance is required for all motorcycles in Michigan. Liability insurance will cover accident damages if you are at fault in an accident. There will be separate limits for bodily injury and property damage. It also covers injuries to your passenger if the accident is your fault. 

Collision and Comprehensive Coverage

Collision coverage will cover the damage to your bike if you are at fault in an accident, including collisions with another vehicle or object. This includes either repair to the bike or the replacement cost. New motorcycles may qualify for total replacement coverage, which reimburses you for the amount you paid for the bike. 

Comprehensive coverage covers non-driving-related damage. This includes theft, vandalism, and storm damage. Comprehensive coverage does not cover damages arising from normal wear and tear or lack of maintenance. 

Specialty Options

Specialty options allow you to add different coverage options to your policy. Accessory or custom part coverage is a popular choice. Many owners spend a significant amount of money on custom parts that aren’t typically covered under a standard policy. This covers custom accessories or parts, including tailpipes, custom paint, and saddlebags. Safety equipment, including leather jackets and helmets, may also be covered. 

Trip interruption insurance is another option to consider if you enjoy road trips. If your bike breaks down more than 100 miles from home, trip interruption insurance can pay for food and shelter costs while you are stuck on the road. 

If you need motorcycle insurance in Clarkston, MI, contact us at the Ryan Insurance Agency. We can provide the right type of insurance to meet your motorcycle insurance needs so that you can enjoy your bike.