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Motorcycle Insurance: Things You Need to Consider

motorcycle insurance

Motorcyclists do not always get the best reputation while on the road. They can often be seen as reckless drivers who tend to disobey traffic laws. However, some statistics have revealed that this may be an unjustified reputation.

According to a study done by the University of Southern California (USC), three fourths of motorcycle accidents are caused from colliding with another vehicle. That same study also revealed that the driver of the other vehicle violated the motorcycle’s right-of-way and caused the accident.

Because of their small size, motorcycles are easily glanced over. While the average car weighs about 4,000 pounds; motorcycles typically weigh about 400 pounds (less than 1,000 pounds on average). In comparison, motorcycles are teeny tiny and typical vehicles usually cannot see them in their blind spot.

That is why it is important to stay safe on the road while riding a motorcycle. The best way to do this is making sure you have the right motorcycle insurance (aside from safe riding of course!). Some things to look for in motorcycle insurance coverage include:

  • Bodily injury
  • Liability
  • Collision coverage
  • Comprehensive coverage
  • Medical payments

Much like car insurance, there are many options to choose from for motorcycle insurance. From basic liability, full coverage, to protection for additional custom parts and equipment. There is a lot out there!

Though it is nice to have options, you need to make sure that you choose the right policy. To help you out a bit, we put together this brief list of what you should ask an insurance company:

  • Am I able to bundle my vehicles or will I need to get a separate plan for my car and motorcycle?
  • How much coverage is offered in a motorcycle plan?
  • What type of coverage is available?
  • Are there any hidden stipulations or qualifications?

Those are just a few hard-hitting questions, but there might be some questions you may have in mind. This is where we can step in and help out. As always, SOGO Wealth & Risk Management is here to help you make sense of the insurance realm. Call us at (210) 499-5050 or email us at

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