A tree branch fell on my motorcycle. Will motorcycle insurance pay for the repairs?

Motorcycle insurance can provide protection for many unforeseen events. It works similarly to auto insurance, providing liability protection and more, depending on your coverage. Our team at Compass Insurance in Centennial, CO is committed to helping motorcycle owners get the coverage they need.

What is Motorcycle Insurance?

Motorcycle insurance is designed to protect you, other drivers, and your motorcycle, in addition to other things. However, what’s covered by a motorcycle insurance policy will depend heavily on your coverage. Most states require all motorcycle drivers to carry liability coverage at levels that meet the state minimum requirements. Liability coverage provides protection and coverage for other drivers, their property, and their motorcycle if you’re found at fault for an accident. It doesn’t offer any coverage for you, your bike, or your property. You need to purchase coverage that will pay for the repair, replacement, or medical bills you may incur if you have a motorcycle accident if you’re interested in this type of coverage. 

Will my insurance cover my motorcycle’s repair if a tree branch damages it?

Liability coverage can’t be used to pay for the repair of your motorcycle. However, comprehensive coverage can. Comprehensive coverage can be used to pay for the repair or replacement of your motorcycle if it’s damaged by a non-collision or moving incident or accident. This type of coverage protects your motorcycle from theft, vandalism, and a host of other situations that don’t involve a collision. If you have questions regarding motorcycle insurance, call us. We’d be happy to take the confusion out of motorcycle insurance and help you find the best coverage for you.