Will Motorcycle Insurance Cover Natural Disasters?

Owning a motorcycle means you’ll need to put some time into protecting it. In many situations, bike owners can count on their motorcycle insurance to help them to protect their vehicle. It helps in accidents, for example, as well as in situations where you hurt another person or damage property. Can it help you with your bike’s damage after a storm? That depends on the type and amount of motorcycle insurance you have in place.

If you are maintaining a comprehensive motorcycle insurance plan, chances are good that you have protection from most storm-related damage. For example, if your bike is damaged after a hailstorm, the insurer can help to cover the damage to the bike if you have this type of property insurance. If you are only maintaining liability insurance on your bike, though, you are unlikely to get this type of help. The key is to make sure you have ample insurance protection in place for storm-related incidents like this.

It can also be important to determine why the damage happened. For example, your insurance company may not provide coverage for you if your bike was left in the storm for a prolonged period of time if there is evidence you did not take steps to protect it. Additionally, it will only cover the damage related to the storm. If there is other damage to your bike from an accident you are at fault for or even as a result of poor maintenance, those types of repairs will not be made by the insurer.

It is usually a good idea to take steps to protect your bike from damage, of course. Placing covering over it if it has to remain outside is one option. Of course, it is always better to store your bike in a garage area. Flooding damage from storm-related problems may be covered, as long as your motorcycle insurance policy has a comprehensive level of coverage that includes flooding.

With the right type and amount of motorcycle insurance, you can keep your bike protected from most natural disasters including flooding, hail and hurricanes. Check your policy now, though, to be sure you have the right amount of coverage in place to safeguard your bike from risks.