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Riding a motorcycle is a lot of fun and most of those who have motorcycles say that riding one gives them a great sense of freedom, and that they get quite an adrenaline rush when they hit the road with their bikes. It's also easier to get through traffic with a motorcycle. So, motorcycles definitely offer a lot of benefits. But, owning a bike is not all fun and games. Riding a motorcycle can be very dangerous. You can take all the precautionary measures, like putting on a helmet, a body armor, protective gloves and boots, and you can obey all traffic laws, speed limits and road signs, but there is still the risk of getting into an accident. That's why you must have motorcycle insurance to protect yourself from paying repairs or medical bills.
There are various types of [[motorcycle-insurance|motorcycle insurance coverage]], but the most common types are: bodily injury and property damage liability coverage, third-party liability coverage, comprehensive coverage, and medical coverage.
Third-party liability coverage protects you in case you damage someone else's property, or if someone is killed or injured in an accident you've caused. Medical coverage covers medical expenses that you have to pay after you receive care for injuries you've sustained in a motorcycle accident. If your bike gets damaged in an accident, or it gets stolen, comprehensive coverage will protect you. It will cover repair costs and it will pay for a new motorcycle if it gets stolen.
Each state has certain requirements regarding motorcycle insurance. The amount you have to pay for motorcycle insurance varies from one state to another, and the types of coverage that are required in most states include bodily injury liability, property damage liability and uninsured motorist coverage.
If you are caught riding your motorcycle without insurance, you can get fined, your license can be suspended, and there are even jail sentences for this offense.