The Difference between Collision and Comprehensive Motorcycle Insurance

The motorcycle insurance policy at Kingdom Tree Insurance Group in Tallahassee, FL offers diverse motorcycle coverage. Whether you are a serious rider or just a bike enthusiast, we got you covered. You can choose between collision and comprehensive insurance. You don’t know what coverage fits you best? Our experienced insurance agents are ready to simplify it for you. But first, you need to understand the difference between the two types of coverage.

Collision Insurance and What It Covers

Collision insurance covers the costs of repair after damages to your bike caused by vehicles or objects such as trees and walls. However, this policy doesn’t cover damage caused to the object or the vehicle involved in the collision. Neither does it pay your medical bills in case you or your rider gets injured during the collision.

What Comprehensive Insurance Covers?

On the other hand, comprehensive insurance covers only risks and not collisions. The types of risks include vandalism, damage from falling objects like trees, or hail. If your motorcycle is stolen, you’ll also be covered under this policy. However, damages by normal wear and tear or lack of maintenance are not included in the package. Further, it doesn’t cover the costs beyond the coverage limit; usually the bike’s cash value. In this case, it only covers the standard parts of the motorcycle as was purchased. No modifications are covered! Therefore, you’ll need to purchase an additional cover for any accessories or parts you add to your bike.

If you’re in Tallahassee, FL, be confident that your motorcycle is safe. The only thing you need to do is call our agent location and receive the support and guidance you need to choose the coverage that fits your personal needs.