{"id":1890,"date":"2019-09-18T10:47:19","date_gmt":"2019-09-18T15:47:19","guid":{"rendered":"https:\/\/shieldagency.com\/?p=1890"},"modified":"2025-01-23T17:52:17","modified_gmt":"2025-01-23T23:52:17","slug":"is-your-motorcycle-coverage-a-perfect-fit","status":"publish","type":"post","link":"https:\/\/www.shieldagency.com\/blog\/is-your-motorcycle-coverage-a-perfect-fit\/","title":{"rendered":"Is Your Motorcycle Coverage a Perfect Fit?"},"content":{"rendered":"\n

Shield Insurance Blog<\/a> | Motorcycle Coverage | Contact Shield<\/a><\/p>\n\n\n\n

Not all bikes are the same. Motorcycle Coverage isn\u2019t all the same, either.<\/strong><\/h2>\n\n\n\n

Picking good motorcycle insurance is more than just choosing between comp and collision or liability-only. Here are four questions to ask yourself about coverages and options before you switch to a new policy or renew your current one.<\/p>\n\n\n\n

1) What is your health insurance Motorcycle Coverage<\/strong> like?<\/strong><\/h3>\n\n\n\n

An odd question? Not really, given the big changes we\u2019ve all experienced in the last few years with health care. If you have a high-deductible policy, and need an x-ray or go to urgent care, you\u2019ll likely pay out-of-pocket.<\/p>\n\n\n\n

Medical payments coverage (often called \u201cMed Pay\u201d) might be worth considering. The typical $500 limit should be enough to cover smaller medical bills and it does not cost much to bump up to a higher limit.<\/p>\n\n\n\n

While you\u2019re at it, you might want to consider uninsured and under-insured motorist (UM\/UIM) protection, too. That covers larger medical costs as well as repairs or bike replacement \u2014 if you\u2019re left with the bill from an at-fault driver without sufficient insurance.<\/p>\n\n\n\n

2) Are you into long road trips?<\/strong><\/h3>\n\n\n\n

Whether it\u2019s that bucket-list ride to Sturgis, or just a long-weekend cruise, you\u2019ll want to consider:<\/p>\n\n\n\n