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Buying comprehensive motorcycle insurance in Lakewood, Colorado might seem like enough to protect against personal injuries or the injuries of a pillion rider, but every insurance plan is different and many plans will not cover injuries to the rider or passengers.
Variation between Insurance Options
Coverage for a motorcycle primarily relates to liability protection and the repairs of the motorcycle. Although many basics are covered, injuries may or may not be automatically included in the plan. In many plans, pillion riders are not protected if an accident occurs because of the potentially high medical expenses that may occur.
Even though a basic plan may not offer protection against injuries, it may be possible to add the protection to a plan with the right insurer. Some insurers will offer additional protection against accidents and medical expenses, but the premium will usually increase when compared to a basic liability plan.
Comparing the Options
In general, it is best to compare coverage options and plans before selecting any motorcycle insurance. By comparing the amount of coverage, the types of accidents that are protected and the price of different plans, it is possible to find an appropriate insurer for individual needs, concerns and a strict budget.
Adding medical protection for the rider and any passengers may have a high expense when compared to plans that have limited medical coverage. Depending on the situation and the number of times a passenger is on the motorcycle, the necessity of additional protection may vary.
Finding the right coverage for a motorcycle is essential for your peace of mind. Working with an independent agent can make it easier to find the right protection plan for your needs. Call today to learn more about protecting yourself and your passengers when you ride a motorcycle.