Who pays if my motorcycle is damaged in an accident?
If another driver caused the accident, you can submit the claim to that person’s insurance company. However, if they did not have insurance, you need to have purchased uninsured motorist PROPERTY DAMAGE coverage on your policy. Keep in mind, this is different coverage than regular uninsured motorist coverage which will provide you compensation for physical injuries to you if you are injured in an accident with an uninsured driver. Because studies show that 15%+ of drivers on the road may be uninsured, we highly recommend that you purchase as much uninsured motorist coverage on both your motorcycle and your other vehicles as you can afford. The minimum you should purchase at least $100,000/$300,000 in coverage.
