If you’re a first-time motorcycle owner in Lincoln, NE, you might think you can simply add your bike to your auto insurance policy. However, that’s not the case. Motorcycles and cars are two vastly different types of vehicles, requiring separate insurance policies. Brokers Insurance Agency can help you understand this distinction and find the right coverage to protect your bike.

Different Risk Profiles

Underwriters consider motorcycles to have a higher risk profile than cars. Motorcycles offer almost no physical protection for riders, leaving them more vulnerable to weather conditions and road hazards. In accidents, car occupants typically experience fewer and less severe injuries due to the protection provided by the vehicle’s shell. This makes higher medical coverage for motorcyclists essential. Riders often rely on their health insurance or the medical payment coverage within their motorcycle policy to address accident-related medical costs.

Usage Patterns and Value

Motorcyclists generally use their bikes for leisure activities, unlike car owners who use their vehicles for daily commutes. Additionally, cars are typically driven year-round, whereas motorcycles are often seasonal. Some carriers offer discounts or seasonal use options that account for this difference in usage.

Most motorcycles cost significantly less than cars, especially larger luxury models. This translates to lower repair costs, which are often much less for motorcycles.

Customized Parts

Many high-end motorcycles feature customized parts and finishes. Dedicated motorcycle policies allow owners to add coverage for customizations through endorsements or other provisions. Riders can also obtain coverage for protective gear such as helmets, boots, and pants designed to minimize injuries.

Learn more about the differences between motorcycle and auto insurance policies by working with Brokers Insurance Agency, serving residents of Lincoln, NE. Contact our office today to schedule an appointment.