Types of Coverage

 
Dirt bike insurance is the same as auto insurance. The same coverages are
available but at lower limits. So, it is quite affordable to obtain a Liability
policy which consists of Bodily Injury and Property Damage. Keep in mind that
Liability coverage is there to help the other party if you should get into an
accident. It does not cover injuries or damages done to you or your bike.
There are optional benefits that offer coverage for these concerns.
 
Bodily Injury. -This coverage will pay the medical bills of the other rider
involved in the accident up to the limits specified in the policy. Bodily injury is
part of Liability coverage, just like an auto policy.
 
Property Damage. -This coverage, also part of Liability coverage, will pay for
any damage to the other rider’s property in the event of an accident, also up to
the policy’s limits. While riding off the road there may not be any property
damage, but you could be liable for someone’s land, private road, or crop if
you were to disturb it.
 
Medical Payments. -Medical payments is an optional coverage that pays
your medical bills or any passenger. Keep in mind that your Health Insurance
policy may not pay medical bills for dangerous activities. So, this benefit is
highly recommended.
 
Collision and Comprehensive. -Collision will cover you if you hit an object or
rough terrain and cause damage to your bike. Comprehensive covers perils
such as fire and theft. Remember, your homeowner’s policy will not cover your
bike should it be damaged in a fire or stolen from your garage.
 
Uninsured Motorist. -With so many riders going without insurance, this type
of coverage is crucial. It is optional, but if an inexperienced rider caused an
accident with you, you would be hurting financially should that rider carry no
insurance.
 
Customization. -If you have added any aftermarket accessories to your bike,
a standard policy could leave you lacking if you were to damage your bike.
This coverage will take into consideration any additions you have made to
your bike.
 
Motocross. -This is a specialty insurance for those who use their dirt bike for
racing purposes. It is not mandatory, and there are no minimum liability limits
like there would be on a standard motorcycle policy. If you were to file a claim
on a standard policy after a racing incident, your policy would most likely deny
the claim.