Motorcycle Insurance in Westerville, OH
Motorcycle insurance may provide financial coverage after accidents, theft or damage involving your bike. The right policy may help you avoid paying out-of-pocket for medical bills, repair costs and legal expenses.
What Does Motorcycle Insurance Include? 
Motorcycle insurance policies can be customized to address various risks. Most agents recommend the following coverages:
- Bodily injury liability may help pay for someone else’s medical bills and lost income if you injure them in a crash.
- Property damage liability may cover damage you cause to another person’s vehicle or property.
- Collision coverage may pay for damage to your bike from a crash, no matter who’s at fault.
- Comprehensive coverage may help cover repairs or replacement if your motorcycle is stolen or damaged by something other than a crash.
- Uninsured/underinsured motorist coverage may cover lost wages, medical bills and compensation for pain and suffering if you’re hit by a driver who lacks liability insurance.
- Medical payments coverage may help with medical bills for you and your passenger after an accident.
How Much Coverage Should I Get?
The amount of coverage you need depends on many factors, including your motorcycle’s value, how often you ride and your financial situation.
In Ohio, riders must show they can cover costs for injuries or property damage they cause. Most drivers comply with this mandate by carrying the state’s required minimum liability coverage. Still, many choose higher limits or optional add-ons for broader coverage.
Questions to Ask Your Insurance Agent
Before you buy motorcycle insurance, talk to your agent to understand what you’re getting. Here are some helpful questions to ask:
- What is not covered under this policy?
- Are there discounts available for safe riders, bundled policies or motorcycle safety courses?
- How does the claims process work, and how long does it usually take?
- Can I adjust my coverage later if my needs change?
- How will my premium change if I have an accident or get a ticket?
Get Covered Today
The team at Ready-2-Insure can discuss your options and help you find coverage with favorable rates. Contact us today for a motorcycle insurance quote.