What kind of insurance coverage should I get for a motorcycle like a Kawasaki?

I'm considering getting medical payments and bodily injury. I think I'm going to skip uninsured motorist coverage and just have higher medical payments coverage.

Answer
“It’s good that you’re thinking of getting bodily injury liability and medical payments coverage, but you should also get uninsured motorist coverage if you can afford it.
If you’re at fault in an accident, you’ll want to make sure that your bodily injury liability coverage is high enough to protect any assets you may have. If the other driver is injured and their medical bills exceed your policy limits, you will be required to pay out of pocket for any additional expenses.
Medical payment coverage covers you, regardless of fault, if you’re injured in an accident. It can provide primary coverage before your health insurance kicks in. This will often cover your copay or deductibles with your health insurance plan.
As you’re more likely to be injured on a motorcycle than in a car, you should be carrying a higher coverage limit on uninsured motorist coverage. If you’re injured in an accident with an at-fault, uninsured driver, your insurance will cover your injuries.
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Emily Maracle
Answered on May 18, 2021
Emily Maracle is a car insurance specialist living in New York. Originally from the Pacific Northwest, she has a degree in English Literature and a background in customer service. She enjoys cooking, gardening, and living sustainably. In the future, she can't wait to upgrade to a hybrid or electric car.
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