Understanding Comprehensive Vs. Collision Motorcycle Coverage for Summer Riding in Georgia

As summer sweeps across Georgia, motorcyclists are eagerly revving up their engines to hit the open roads. Having appropriate motorcycle insurance is crucial to help protect against the adverse financial effects of accidents and incidents involving your motorcycle.

According to state laws, Georgia motorcyclists must carry minimum amounts of bodily injury and property damage liability coverage. Your agent may recommend other endorsements and policies to help cover potential damage to your motorcycle, including the following:

• Comprehensive motorcycle insurance is designed to help pay for damage not caused by collisions, including theft, vandalism, natural disasters and striking an animal in the road.
• Collision motorcycle insurance is designed to help pay for repairing or replacing your motorcycle in the event of an accident involving another vehicle or an object, such as a guardrail or tree.

How to Buy Collision and Comprehensive Motorcycle Insurance Policies

While comprehensive and collision coverage address different types of risks, having both can help provide robust protection for your motorcycle.

When selecting motorcycle insurance in Georgia, consider the following tips:

• Evaluate your needs—Assess how often you ride, the type of roads you frequent and your risk tolerance. For example, if you frequently ride in rural areas, comprehensive coverage for animal strikes might be more critical.
• Compare policies—Insurance policies can vary significantly. Your agent can help you compare quotes and coverage options from different providers to find the best fit for your needs.
• Check state requirements—Your agent can help ensure your coverage meets Georgia’s minimum insurance requirements for motorcycles. Comprehensive and collision coverage are optional unless your lienholder requires full coverage motorcycle insurance.

Contact Us

Contact ABC Insurance Services in Dalton, GA, for personalized motorcycle insurance quotes. Our agency was established in 2005 and provides various insurance options for local riders.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.