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Various insurance coverages for motorcycles in Kentucky

When you realize the time is right to own a motorcycle, you should perform some research ahead of time regarding motorcycle insurance. It is required by law to have some form of coverage for your motorcycle in Kentucky, much like other motorists must have for their truck, van or car. Today, we will explain the various insurance coverages available for motorcycles.

Medical payment coverage is an important piece of insurance to have on your motorcycle policy. This covers the medical bills for not only you, but also the passenger on your motorcycle if you are involved in an accident. This type of coverage activates no matter who is deemed at fault for the accident.

Liability insurance is always required. This coverage helps protect you from paying out of pocket for damages or injuries to someone else should you cause an accident on your motorcycle. The amount of liability coverage you have depends on how much you can afford.

Motorcycles are too often involved in accidents because other drivers fail to notice them on the roads. You should have total loss coverage even if you are the safest of motorcycle riders. This coverage will help pay for a new bike at the suggested price by the manufacturer if your bike is totaled in an accident or in a natural disaster.

Do you need help dealing with the insurance company following a motorcycle accident in Jefferson? It's best to speak with an experienced personal injury attorney as soon as possible following the accident so the details are still fresh in your mind.

Source: esurance, "what does motorcycle insurance cover?," accessed Jan. 05, 2018

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