Motorcycle insurance is essential for protecting yourself and your bike, but no rider wants to deal with the hassle of filing a claim. Understanding the most common motorcycle insurance claims can help you take proactive steps to avoid accidents, theft, and costly repairs.
In this article, we’ll cover the typical insurance claims motorcyclists file and share practical tips to help you reduce your risk—and keep your insurance costs down.
1. Collision Claims
What It Is:
Collision claims occur when your motorcycle is damaged in an accident involving another vehicle, object, or road hazard.
How to Avoid:
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Always stay alert and maintain a safe following distance.
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Avoid riding in blind spots of other vehicles.
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Follow traffic laws and speed limits.
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Take defensive riding courses to improve your skills.
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Use proper signaling and anticipate the actions of other drivers.
2. Theft Claims
What It Is:
Theft claims happen when your motorcycle is stolen or vandalized.
How to Avoid:
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Always park your motorcycle in a secure, well-lit area or locked garage.
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Use multiple anti-theft devices such as alarms, disc locks, and GPS trackers.
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Consider installing immobilizers to prevent unauthorized starts.
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Keep your bike covered to avoid attracting attention.
3. Comprehensive Claims
What It Is:
Comprehensive claims cover damages not caused by collisions, like natural disasters, fire, or falling objects.
How to Avoid:
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Store your bike indoors or under protective covers during bad weather.
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Keep your motorcycle in a garage or secure location.
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Check weather forecasts and avoid riding in extreme conditions.
4. Liability Claims
What It Is:
Liability claims arise when you cause injury or property damage to others.
How to Avoid:
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Ride responsibly and within legal limits.
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Avoid distractions like using a phone while riding.
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Maintain your motorcycle to prevent mechanical failures that could lead to accidents.
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Wear visible clothing and use lights to increase your visibility.
5. Personal Injury Claims
What It Is:
These claims involve injuries to yourself from accidents.
How to Avoid:
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Always wear DOT-approved helmets and protective gear.
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Take motorcycle safety courses to improve your riding techniques.
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Avoid risky behaviors like speeding or weaving through traffic.
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Ride sober and alert, avoiding riding under the influence of alcohol or drugs.
6. Road Hazard Damage Claims
What It Is:
Claims resulting from damage caused by potholes, debris, or uneven road surfaces.
How to Avoid:
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Keep an eye on the road ahead and anticipate hazards.
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Reduce speed on unfamiliar or poorly maintained roads.
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Avoid riding in adverse weather conditions that may obscure hazards.
While some motorcycle insurance claims are unavoidable, many accidents and damages can be prevented with cautious riding and proper bike care. Taking safety seriously, securing your motorcycle, and staying informed about common risks are the best ways to protect yourself and keep your insurance premiums low.