Liability vs. Full Coverage: Which Motorcycle Insurance Policy Is Best for You?

Choosing the right motorcycle insurance can be confusing, especially when comparing liability and full coverage. Each option offers different benefits. Understanding how each one works can help you decide what fits your situation.

What Is Liability Insurance?

Liability insurance may cover damage or injuries you cause to others in an accident, up to the policy’s limits. It does not cover your motorcycle or medical bills. This type of coverage is typically required by state law and is often the most affordable.

What Is Full Coverage Insurance?

Full coverage goes beyond the basics. It usually includes liability, along with collision and comprehensive coverage. This means your bike may be covered for damage caused by accidents, theft, vandalism and severe weather events. It may also provide more financial help when repairs or replacements are needed.

What Are the Differences Between Full Coverage and Liability Insurance?

Each of these policies has its strengths. The right option often depends on your motorcycle’s value, how you use it and your financial comfort level. Here’s a quick comparison:

• Liability is generally cheaper. Full coverage costs more due to its broader protections.
• Liability does not cover your motorcycle; full coverage does.
• If you’re financing your bike, full coverage is often required.
• After an accident, liability-only policies could leave you with large repair or replacement bills.
• Newer or high-value motorcycles usually benefit more from full coverage, as the potential loss is greater.

Explore Affordable Motorcycle Insurance

Learn more about motorcycle insurance with Boyer Insurance LLC. Riders in Columbus, Coshocton, Newark, Zanesville, OH, and nearby communities trust us to provide coverage at favorable rates. Contact us today to explore your options.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.