Comprehensive Vs. Collision Coverage

Motorcycle owners in Falcon, CO know the importance of having motorcycle or vehicle insurance. Drivers are more likely to get into an accident because something as minor as grass on the road can result in the bike skidding sideways. Motorcycles are significantly more straightforward to steal compared to larger vehicles. When it’s time to get insurance, you’ll decide between comprehensive and collision coverage, but what’s the difference? We’ll help you learn the basics. 

Collision Coverage

This type of coverage is designed to protect you in an accident. It often kicks in regardless of who’s at fault, but discussing the details with an agent at Pikes Peak Insurance Agency is important. Collision coverage frequently requires a deductible that must be paid before insurance kicks in. This coverage usually covers the damages and repairs to your motorcycle after an accident, ensuring you only have to pay a fraction of the cost it usually takes to get back on the road.

Comprehensive Coverage

Comprehensive coverage usually covers other incidents. For example, it may cover damage from weather incidents, such as hurricanes or tornadoes. Many policies can also cover theft, making theft a key component of motorcycle insurance coverage. Motorcycle owners often opt for comprehensive coverage to cover things out of their control and other types of coverage. You can get a comprehensive policy that covers more than one thing to ensure your motorcycle stays in excellent condition. This insurance usually requires a deductible. 

Contact Pikes Peak Insurance Agency in Falcon, CO

It’s important to note that coverage in Falcon, CO varies depending on the individual policy. Many clients work with agents to determine the level of coverage they need for their motorcycle. Agents at Pikes Peak Insurance Agency will listen to your concerns and help you find the coverage necessary to give you peace of mind. Contact us to learn more about your coverage options today.