Motorcycle riding can be a thrilling experience for college students. It's a fun way to get around campus, but as with any vehicle, it comes with a certain level of risk. Motorcycle accidents can leave riders with catastrophic injuries or worse. That's why it's important for college students who ride motorcycles to have basic motorcycle insurance.
What Does Basic Motorcycle Insurance Cover?
Basic motorcycle insurance covers a minimum level of liability insurance. This type of insurance pays for damage or injuries that you may cause to other people or their property in an accident. Basic motorcycle insurance typically includes the following coverage:
Bodily Injury Liability
This coverage pays for medical expenses, lost wages, and pain and suffering of other people involved in an accident that you caused. The amount of coverage you need will depend on your state's minimum requirements.
Property Damage Liability
This coverage pays for damage to other people's property that you may cause in an accident. This includes damage to other vehicles, buildings, and other structures. Again, the amount of coverage you need will depend on your state's minimum requirements.
Uninsured/Underinsured Motorist Coverage
This coverage pays for your medical expenses, lost wages, and pain and suffering if you're involved in an accident caused by someone who doesn't have enough insurance or no insurance at all.
Additional Motorcycle Insurance Coverage
While basic motorcycle insurance is essential, there are additional coverage options that college students may want to consider. Some of these options include:
Collision Coverage
This coverage pays for damage to your motorcycle in an accident, whether or not you were at fault.
Comprehensive Coverage
This coverage pays for damage to your motorcycle from non-accident-related incidents, such as theft, vandalism, or natural disasters.
Medical Payments Coverage
This coverage pays for your medical expenses if you're involved in an accident, regardless of who caused the accident.
Personal Injury Protection
This coverage pays for your medical expenses and lost wages if you're involved in an accident, regardless of who caused the accident. This coverage is only available in certain states.
Roadside Assistance
This coverage provides assistance if you have a breakdown or other emergency while riding your motorcycle.
How to Find the Best Motorcycle Insurance for College Students
When looking for motorcycle insurance, college students should consider the following factors:
Cost
College students are often on a tight budget, so finding affordable motorcycle insurance is important. However, make sure to consider the level of coverage you need before choosing a policy based solely on price.
Coverage Options
As mentioned earlier, basic motorcycle insurance may not be enough for college students. Consider additional coverage options, such as collision coverage or comprehensive coverage.
Insurance Company Reputation
Choose an insurance company with a good reputation for customer service and claims handling. Check online reviews before making a decision.
Discounts
Many insurance companies offer discounts to college students, such as good student discounts or multi-policy discounts. Be sure to ask about available discounts.
In Conclusion
Basic motorcycle insurance is essential for college students who ride motorcycles. It provides liability coverage in the event of an accident. Additional coverage options, such as collision coverage or comprehensive coverage, may also be necessary. When shopping for motorcycle insurance, consider cost, coverage options, insurance company reputation, and available discounts.
