Collision Coverage For Motorcycles: Protection Every Rider Should Consider

​Owning a motorcycle offers freedom and excitement, but it also comes with risks. Unlike cars, motorcycles provide little protection in an accident, and repairs or replacements can be costly. That’s where collision coverage comes in. This type of insurance helps pay for damages to your bike after an accident—regardless of who’s at fault. For riders who want peace of mind on the road, collision coverage is protection worth considering.

What Is Collision Coverage for Motorcycles?
Collision coverage is an optional add-on to a motorcycle insurance policy. It specifically covers the cost of repairing or replacing your motorcycle after it collides with:

• Another vehicle.
• A stationary object (such as a tree, guardrail, or fence).
• The ground, if your bike tips over in an accident.

Important: Collision coverage does not cover damages caused by theft, vandalism, weather, or fire—that’s what comprehensive coverage is for.


Why Motorcycle Riders Should Consider Collision Coverage
1. High Repair Costs

• Motorcycles are often expensive to repair, with parts and labor adding up quickly.
• Collision coverage helps avoid paying the full cost out of pocket.

2. Protection Regardless of Fault

• Even if you cause the accident, your bike is still covered.
• Without it, you’re responsible for all repair or replacement costs.

3. Total Loss Coverage

• If your motorcycle is totaled, collision insurance can cover the cost of replacement up to your policy limits.

4. Peace of Mind for New or Expensive Bikes

• Riders with new, custom, or high-value motorcycles benefit most from this protection.

5. Required by Lenders

• If you finance or lease your motorcycle, lenders often require collision coverage.

How Collision Coverage Works

• Deductible: You’ll choose a deductible (the amount you pay out of pocket before insurance kicks in).
• Claim Payout: Insurance pays the remaining repair or replacement cost, up to the bike’s actual cash value.
• Example: If repairs cost $5,000 and you have a $500 deductible, insurance covers $4,500.

Tips for Motorcycle Owners

• Evaluate your bike’s value: If your motorcycle is older or low in value, collision coverage may not be cost-effective.
• Bundle policies: Insurers often give discounts when bundling motorcycle and auto coverage.
• Review deductibles: A higher deductible lowers premiums but increases out-of-pocket costs.
• Pair with comprehensive coverage: For full protection, combine collision with comprehensive coverage.

Conclusion
Collision coverage for motorcycles is more than just an optional add-on—it’s a valuable safeguard that protects your bike and your wallet. From costly repairs to total loss replacement, this coverage ensures riders can enjoy the open road without worrying about unexpected financial setbacks.

Whether you own a brand-new motorcycle or a custom build, collision coverage is protection every rider should strongly consider.

​At AllRisk Auto Insurance, we aim to provide comprehensive insurance policies that make your life easier. We want to help you get insurance that fits your needs. You can get more information about our products and services by calling our agency at (360) 693-4044. Get your free quote today by CLICKING HERE. 

Disclaimer: The information presented in this blog is intended for informational purposes only and should not be considered as professional advice. It is crucial to consult with a qualified insurance agent or professional for personalized advice tailored to your specific circumstances. They can provide expert guidance and help you make informed decisions regarding your insurance needs.