 TITLE: What Kind of Insurance Does a Motorcycle Need? CONTENT: What Are the Types of Motorcycle Insurance Coverage?\n----------------------------------------------------\nWhile liability insurance is standard for motorcycle insurance, other types of coverage are available and generally are optional. They include:\n*   **Collision insurance**: This covers your motorcycle if it's damaged in a collision with another vehicle or an object (a tree, for instance). This coverage pays to repair damage to your motorcycle or replace your bike. If you leased your motorcycle or are still paying back the loan on it, the lender or lease provider might require you to carry collision coverage.\n*   **Comprehensive coverage**: This pays for damage caused by something other than a collision, such as fire or theft. Like collision coverage, comprehensive coverage might be required by a lender or lease provider.\n*   **Coverage for custom parts**: In some cases, comprehensive or collision coverage will pay only for parts that the manufacturer installed. So if you add accessories such as custom paint or upgraded engine components, regular coverage might not pay for fixing or replacing these add-ons.\n*   **Medical payments coverage**: This part of a policy pays medical bills when you, the rider, suffer injuries in an accident. This coverage kicks in no matter who's at fault in the accident.\n*   **Personal injury protection (PIP)**: In some states, motorcycle insurers offer personal injury protection, known as PIP. It's similar to medical payments coverage, but its benefits are broader. If you're injured in a motorcycle accident, PIP might cover lost wages, child care expenses or funeral costs.\n*   **Uninsured\/underinsured motorist coverage**: This pays for harm to you or your property when another motorist lacks insurance altogether (uninsured) or lacks adequate insurance (underinsured). It might also cover medical bills, lost wages and property damage.\nBeyond those types of coverage, you might able to add:\n*   **Total loss coverage**: If your motorcycle is totaled, this coverage helps pay for another bike.\n*   **Roadside assistance**: This coverage pays for things like jump-starting your battery or towing your motorcycle when it breaks down on the road.\n*   **Motorcycle repair insurance**: With this coverage, also known as mechanical breakdown coverage, you're reimbursed for certain repairs to your motorcycle, such as work on the brake or transmission systems. This coverage is similar to a car warranty.\n*   **Personal belongings insurance**: This covers possessions that you carry with you, such as phones, tools or motorcycle gear, when they're damaged, lost or stolen. END