Why the Right Motorcycle Insurance Isn’t Just a Good Idea—It’s Essential

With the warm weather here, it is time to consider motorcycle insurance before you head out on your bike.  There’s something about the open road, the hum of your engine, and the wind in your face that makes riding a motorcycle feel like freedom. It’s no wonder more than 8.6 million motorcycles are registered in the U.S. today. For many of us, it’s more than transportation—it’s a lifestyle.

But as fun and freeing as riding can be, it’s also a responsibility. And one that comes with real risks.

Here’s the thing: motorcycle accidents happen more often than you might think. According to the National Highway Traffic Safety Administration, over 82,000 motorcyclists were injured in reported crashes in a recent year. And the average cost of a non-fatal motorcycle crash? It can run upwards of $20,000–$40,000 when you factor in medical bills, property damage, lost wages, and other expenses.

That’s a hefty price tag—and one that the right insurance can help you avoid paying out of pocket. Not sure about coverage is? Here’s a quick translation:

• Liability coverage: This is required in most states. It covers damages and injuries you cause to others. But if you’re in a serious accident, minimum limits might not be enough.
• Collision coverage: Helps pay for damage to your bike after a crash—regardless of who’s at fault.
• Comprehensive coverage: Protects you if your bike is stolen, vandalized, or damaged by something like a fallen tree or rogue squirrel. (It happens.)
• Uninsured/Underinsured motorist coverage: If another driver causes an accident and doesn’t have enough insurance—or any at all—this kicks in to help cover your expenses.
• Medical payments or personal injury protection: This helps cover your medical bills after a crash, whether or not you were at fault.

Think of motorcycle insurance as your financial helmet. Sure, it might not be as cool to look at, but it’s there to protect your future. The last thing anyone wants after an accident is to worry about how they’ll pay for hospital bills, repairs, or legal fees.

Whether you’re a weekend warrior, a daily commuter, or someone who just loves to cruise on sunny days, having the right motorcycle insurance means peace of mind—for you and everyone else on the road.

Ready to review your motorcycle insurance? Give Boufford Insurance a call.