Being a responsible motorcyclist in Texas involves understanding your motorcycle insurance options. As your insurance representative, DGIA LLC, serving Round Rock, TX, is pleased to explain the difference between comprehensive and collision coverage for motorcyclists. This is one of the most frequently asked questions we receive from new and existing customers.
Collision Coverage
Collision insurance helps pay for damage to your motorcycle if you’re involved in an accident with another vehicle or if you hit an object like a guardrail, pole, or fence. It applies regardless of who was at fault in the accident. For example, if you slide on wet pavement and your bike tips over into a curb, collision coverage would help pay for repairs or even a full replacement if the motorcycle is totaled.
Comprehensive Coverage
Comprehensive insurance covers damage not caused by a collision. This includes risks like theft, vandalism, fire, falling objects, hail, or even animal-related incidents, such as hitting a deer or finding your seat shredded by raccoons. If your motorcycle is stolen from your garage or damaged during a storm, comprehensive coverage is what you would rely on.
Why You Might Need Both
While collision handles on-road incidents, comprehensive coverage protects you from off-road risks and unpredictable events. Most motorcycle owners benefit from having both types of coverage, especially if the bike is relatively new, expensive, or still being financed.
It’s also worth noting that neither comprehensive nor collision coverage handles medical bills or liability for injuries to others—separate parts of your motorcycle insurance policy handle those.
Understanding the difference between comprehensive and collision coverage ensures that you know precisely what your policy covers and what types of damage are included. Contact DGIA LLC, serving Round Rock, TX, to learn more about how to protect you and your motorcycle best.
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