#CollisionCoverage

If you file a claim due to damage from hitting a pothole, it would be paid under collision coverage. A situation like this would generally be thought of as a single vehicle accident and would be considered the fault of the rider. As such, most insurance companies would consider raising your premium as a result. However, if the company offers some form of accident forgiveness, your rates may not go up.

Are you and your motorcycle insured well enough to satisfy your state’s legal guidelines, as well as your own risk tolerance? You owe it to yourself and those who care about you to be sure you are up to date.

This is a personal choice and will likely depend on the value of your vehicle vs. the cost of the Collision coverage.

In most cases, comprehensive coverage has deductibles from $0 to $1000. As you would expect, premiums go up when you choose a lower deductible. But there’s a limit in change, so ask the difference in price. A great example of this is a dual-sport bike. It’s usually just a few dollars of difference between a $500 and $250 deductible for a guy over 25 years of age. So, in this case, pick the low deductible.