Before hitting the open road on your bike, you should make sure that you’re properly insured. There are many essential aspects of a motorcycle insurance policy that can protect you when you go riding. This guide details the basic types of motorcycle insurance in NJ that you need to know about.


Insured Vehicles

Many insurance policies cover more than just motorcycles.

Other types of vehicles that might be included are:

Mopeds
Cruisers
Touring bikes
Scooters
Motocross bikes


These vehicles and others may be protected by insurance. Make sure to confirm that your particular vehicle is included in your insurance company’s policy.

Liability Insurance

Bodily injury and property damage protection are both included in a standard liability policy. To avoid paying the other person’s repair or injury bills when you get into an accident, having liability insurance is crucial. It’s also important to consider how experienced a rider you are as well as the area you’re in when deciding how much insurance you should have.

Comprehensive and Collision Coverage

While liability insurance provides coverage in the event of an accident, comprehensive and collision coverage deals with damage caused by another person. If your motorcycle has been stolen or damaged, this type of insurance covers the costs associated with repairing or replacing the vehicle.

Each component of motorcycle insurance in NJ can help you stay safe on the road. Be sure to choose insurance that protects you properly no matter the situation.