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Motorcycle Insurance – Jeffrey D. Boyd. All rights reserved. WHAT YOU NEED TO KNOW ABOUT MOTORCYCLE INSURANCE Jeffrey D. Boyd, Attorney at Law 7792 Olentangy River Road … … Columbus, Ohio 43235 614.885.4980 614.885.4877 (fax) jeffboyd@rrohio. com”I HAVE INSURANCE” The fact that you have “some” insurance doesn’t really mean a thing. A lot of people don’t understand what insurance coverage they have, let alone what insurance coverage they should have, until it’s too late. Many insurance agents are unfamiliar …
Page 2 of 9 KINDS OF MOTORCYCLE INSURANCE COVERAGE A typical insurance policy consists of the basic insurance agreement, plus amendments (changes that are usually specific to a state), plus endorsements (changes that are special to your policy). Amendments and endorsements may either add to the basic coverage or subtract from it. The typical coverages that are available are: 1. Bodily Injury Liability 2. Property Damage Liability 3. Uninsured/Underinsured Motorist Bodily Injury 4. Uninsured/Underinsured Motorist Property Damage 5. Medical Payments 6. Collision 7. Comprehensive 8. Towing & Storage So what is all this stuff??? The first thing you need to know is that there is no such thing as a standardized “full coverage” policy. There is such a thing as a “state minimum” policy, but it is about as worthless as training wheels on a rocket.