Motorcycling inherently carries risks that should never be overlooked by riders. There’s no substitute for practicing safe riding habits, wearing appropriate gear, and staying vigilant on the road. It’s also important that bikers in Massachusetts carry motorcycle insurance, though.
Motorcycle insurance provides auto coverages in a tailor-made policy for bikes. Policies generally provide the coverages found in a car insurance policy, with some adjustments for motorcycles.
Motorcycle owners in Massachusetts are generally required by state law to carry insurance. Not insuring can lead to legal fines, liability lawsuits, and uncovered damage to a bike.
In addition to motorcycles, these policies may also be used to insure mopeds, scooters and dirt bikes. Whether these types of bikes need to be insured depends partly on whether they’re used on public roadways. Insurance usually is required by state law if they are.
If there’s question as to whether a motorcycle policy is needed in a specific situation, an insurance agent specializing in these policies can help evaluate whether insurance should be purchased.
Motorcycle policies can offer several coverages, with specific options varying from policy to policy. Depending on a policy's terms, it might provide:
While motorcycle policies might be used to insure dirt bikes, these policies generally don’t cover ATVs. ATVs differ in both their design and typical use. For these reasons, an ATV insurance policy tends to be better for insuring four-wheelers.
Motorcycle policies that include comprehensive and collision coverages usually establish their limits for these coverages as either "agreed value" or "actual cash value.” The terms normally dictate how much the motorcycle itself is insured against damage and loss for:
While actual cash value policies make sense for most motorcycles, agreed value policies might be more appropriate for unique bikes. Riders may want to choose agreed value coverage if their bike is a classic, a rare model, or has been heavily customized.
An insurance agent who knows motorcycle policies well will be able to assist with finding an agreed value or actual cash value policy.
Motorcycle premiums are subject to various factors, and therefore ary. Some factors that can impact rates are:
Comparing quotes with an independent insurance agent is an easy and quick way to find out how much different companies will charge for insuring a particular bike.