Does car insurance cover motorcycles?

摩托车s are not generally covered under your car insurance or homeowners policy. 通常情况下, motorcycles are insured with their own policy. According to ValuePenguin, 摩托车pp王者电子官网的费用与平均水平的汽车pp王者电子官网几乎相同 motorcycle insurance of $60 a month 和 $58 per month for car insurance.

为什么摩托车不在你的汽车或家庭pp王者电子官网范围内?

摩托车 insurance exists because, as with other motorized 车辆s, motorcycles come with their own risks, 这些风险包括骑车人受伤和自行车损坏. 作为一个 安全的骑手 can help minimize those risks. 不幸的是，在发生车祸时，摩托车的伤害通常更大. 即使有 头盔 or 骑齿轮在摩托车上，你的身体不像在汽车里那样受到保护. 另外，以你行驶的速度，摩托车往往在事故中受损更严重. Additionally, if you are traveling with a passenger, you both could be injured, maybe seriously.

一般, 摩托车买起来更便宜，修理也不像修理汽车那么昂贵. 然而, t在这里 are still a variety of factors with different models, 购买价格和维修费用将在确定pp王者电子官网费用中发挥作用.

由于医疗和修理摩托车的相关费用, it’s worth exploring your options for motorcycle insurance. 在审查pp王者电子官网单时，有一些重要的问题需要考虑.

关于摩托车pp王者电子官网，我应该问哪些问题?

• Am I covered if t在这里 are injuries? 如果你受伤了，一些基本的pp王者电子官网政策可能不包括你. When looking at costs 和 coverages of the policies, 想想如果你卷入车祸，你需要支付多少钱.
• Is collision coverage required? 有些州可能不像汽车pp王者电子官网那样要求摩托车投保碰撞险. 但是，如果有留置权人，则可能需要投保碰撞险.
• Does motorcycle insurance cover other riders? Some insurance policies may not cover passengers. 因为摩托车通常被认为是单骑车辆, 购买pp王者电子官网时最好询问一下乘客的pp王者电子官网范围.
• Is my personal equipment protected? 通常，保护设备，如头盔是在你的摩托车pp王者电子官网政策. 但, if you travel with other items in a saddlebag, such as a computer, 你需要确认它们是否在你的摩托车pp王者电子官网单或房屋pp王者电子官网单中.
• Is my motorcycle covered in the “off season”? 在许多州，一年中只有部分时间有人骑摩托车. 一些pp王者电子官网公司可能只在他们认为骑行季节为你的自行车投保，以获得较低的费率. 你可能需要全年的pp王者电子官网，以确保你的自行车在存放期间免受盗窃和事故的侵害.
• Does it include coverage that’s similar to my car insurance? Make sure you review what’s included for comprehensive, collision 和 liability in your motorcycle insurance policy. 这些pp王者电子官网范围在汽车和摩托车pp王者电子官网中很常见，但你应该问清楚它们之间的差异, 在你的摩托车pp王者电子官网中，有些可能是可选的.

What to consider before purchasing a motorcycle

Thinking about a motorcycle? 在你购买之前，你可能需要考虑一些事情.

• W在这里 are you going to learn to ride a motorcycle? 你在高中的驾驶教育课程可能没有教你骑摩托车，你的朋友可能不太愿意让你用他们的摩托车学习.
• Do you need a permit? 许多州要求有特定的驾驶执照才能驾驶摩托车.
• Do you need a 头盔? Not all states require wearing a 头盔, but when safety is a goal, it’s a good idea to have one.
• What type of motorcycle do you want? 根据你想要的骑行方式，有各种各样的骑行方式, from sport bikes to touring 和 cruiser bikes, 和 motorcycles are all rated differently by insurance companies.
• And finally, t在这里 is motorcycle insurance.

总之，摩托车pp王者电子官网和汽车pp王者电子官网没有太大的不同. 各公司提供不同级别的免赔额和责任pp王者电子官网, 额外的服务，如路边援助和省钱的方式，如远程信息处理，帮助你找到一个在你的预算范围内的价格. 了解可能决定你摩托车保费的因素是很重要的. It’s also just as important to talk to an insurance agent to fully underst和 what coverages are available.