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Luebbering Insurance Agency

2717 Industrial Drive, Ste A
Jefferson City, MO 65109

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Motorcycle Insurance in Missouri

If you own a motorcycle or are considering buying one, you need to think about insurance. After all, none of us knows what might happen out on the open road. But what does motorcycle coverage include?

States have different laws regarding what is required for motorcyclists to carry, so you should look up the requirements of where you live. In Missouri, for example, you must carry proof of liability insurance coverage for your motorcycle. But no matter what state you're located in, most motorcycle insurance carriers offer many different types of coverage. Motorcycle insurance can include the following:

  • Liability, when your insurance company pays for damage your motorcycle caused another vehicle
  • Collision, when insurance pays for repairs to your bike
  • Comprehensive, when insurance covers damage not caused by a motorist (like a falling tree or theft)
  • Total loss, when insurance covers the retail price of your bike in a total loss accident
  • Medical payments, when insurance covers medical expenses you incur after an accident
  • Equipment loss, when insurance covers aftermarket enhancements you added to the bike
  • Trip interruption, when insurance covers your stay at a hotel, a rental car, and food if you need a repair or have an accident on a road trip
  • Uninsured motorist, when insurance covers bodily injury an uninsured motorist caused you.
  • Towing and roadside assistance, when insurance takes care of towing out on the road

*This is not an all inclusive list of available coverages.  Talk to your agent to develop the plan that's right for you.  

As you can see, there are many different things that motorcycle insurance covers. Since in Missouri all you need is liability insurance, you can purchase that first and then consider whether you need any of the other coverages available. It might be smart to get collision, comprehensive, and medical bill coverage since motorcycles are small and bigger cars sometimes don't see them. Contact Luebbering Insurance and Stay safe with motorcycle insurance.

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