Florida Insurance Blog

What You Need to Know About Motorcycle Insurance

Owning a motorcycle brings with it a certain type of excitement and freedom. Although this is one of the important reasons for owning a motorcycle, motorcycle enthusiasts must also realize that bike ownership comes with a special kind of responsibility. At Morgan Insurance Services, serving Tampa, FL, we are committed to helping bike owners like you make the best insurance choices. Understanding how motorcycle insurance works is the first step. 

What’s the Difference Between Motorcycle and Auto Insurance?

Many people think that a motorcycle will fall under the same type of policy as a regular automobile. The truth is, a motorcycle policy is a specially designed policy to meet the special needs and risk factors of bike owners. To make sure you are sufficiently covered, it is important to make sure you have the right kind of policy to prevent yourself from being left financially vulnerable.

What Does Motorcycle Insurance Cover?

Motorcycle insurance will provide increased personal injury coverage because a biker is at increased risk of injury when they do not have a protective vehicle surrounding them. During a wreck, the biker is at greater risk of serious injury. Motorcycle insurance will also provide important liability insurance coverage, which will kick in if the biker is the cause of a wreck that produces damage and injuries to others. These are important types of coverage to have. Motorcycle insurance policies also offer a pause feature so that you can pause your coverage and save money during extended periods of non-use of your bike. This is a helpful feature for bikers who do not use their bike all year. 

If you would like to learn more about our services, please contact Morgan Insurance Services, serving Tampa, FL. We will be happy to answer your insurance questions today.