You are undoubtedly aware of the significance of motorcycle insurance as a motorcycle rider. It provides financial protection in the event of an accident, theft, or damage to your bike. But motorcycle insurance covers more than just the basics. Every rider ought to be aware of a few lesser-known advantages. Seven such benefits of motorcycle insurance will be discussed in this article, each of which can significantly enhance your riding experience and give you peace of mind.

7 Lesser-Known Benefits Of Motorcycle Insurance

7 Lesser-Known Benefits Of Motorcycle Insurance

1. Coverage For Medical Expenses

Injuries from motorcycle accidents can be severe and require extensive medical attention. Even though health insurance might cover some of the costs, more is needed to cover everything. Medical expense coverage is a common feature of motorcycle insurance, and it can assist in covering costs associated with treatment, rehabilitation, and even lost wages due to an accident. You won’t have to worry about paying a lot for the medical care you need because you have this coverage.

2. Coverage For Uninsured Or Underinsured Motorists

Sadly, not every driver on the road carries adequate insurance. You could end up paying a lot in medical bills and repairs if you get into an accident with someone who doesn’t have insurance or doesn’t have enough insurance. Motorcycle insurance policies typically include uninsured/underinsured motorist coverage, providing protection in such instances. You will be financially compensated for damages caused by a driver who does not have sufficient insurance coverage thanks to this coverage.

3. Assistance On The Road

Mechanical failures and breakdowns can happen at any time, leaving you stranded on the side of the road. As an additional benefit, motorcycle insurance policies may include roadside assistance. Towing, battery jump-starts, fuel delivery, and even locksmith services are included in this coverage. You can quickly get back on the road and continue your journey with roadside assistance, minimizing inconvenience and potential danger to your safety.

4. Insurance For Accessories

Saddlebags, custom seats, and upgraded exhaust systems are just a few of the many accessories motorcycle enthusiasts enjoy adding to their bikes. These accessories, on the other hand, can be expensive and easily stolen or damaged. Motorcycle insurance can include accessory coverage, which provides financial protection for such add-ons. Your insurance can pay for the value of your accessories if they are stolen or damaged by covered perils, allowing you to replace them without incurring a significant financial burden.

5. Coverage For Trip Interruptions

Traveling on a motorcycle over long distances is an exciting adventure, but unanticipated occurrences like accidents or mechanical failures can derail your plans and leave you far from home. A valuable feature of some motorcycle insurance policies is trip interruption coverage. If your trip is disrupted due to a covered event, it covers lodging, meals, and transportation expenses. This inclusion guarantees you can still proceed with your excursion or return securely.

6. Enhanced Coverage For Liability

Even though liability coverage is a standard part of motorcycle insurance, it’s essential to consider what a serious accident could cost you financially. You may be held personally liable for significant damages and medical costs if you do not have adequate liability coverage. If you are found responsible for a costly accident, you will have more excellent financial protection if you select motorcycle insurance with higher liability limits. Protecting your assets and avoiding potential financial difficulties is a proactive step.

7. Insurance discounts

Numerous discounts offered by motorcycle insurance companies can significantly lower your premium costs. These discounts might be multi-policy discounts for combining your motorcycle insurance with other types of insurance, safe rider discounts for taking motorcycle safety courses, and discounts for having particular safety features on your bike. Motorcycle riders who install night vision dash cameras receive discounts from some insurance companies. These cameras can record valuable evidence in the event of an accident or a theft, and their night vision capability ensures that the footage will be apparent even in low light.

Because it highlights an additional safety measure riders can take, dash camera with night vision is relevant to motorcycle insurance. There are several advantages to equipping your motorcycle with a night vision dash camera:

  1. By capturing video evidence of an accident, it can assist in determining who is responsible. This evidence may be crucial when dealing with insurance claims or legal proceedings.
  2. The presence of a visible camera can deter potential thieves or vandals, so dash cameras with night vision can prevent them.
  3. These cameras’ night vision capability ensures they can capture clear footage even in low light or at night, which is crucial for motorcycles that frequently travel at night.

Mechanic woman checking motorcycle on factory.

Some Other Benefits Of Motorcycle Insurance

Coverage For Rental Reimbursement

You may need to use a different mode of transportation. At the same time, your motorcycle is being repaired in the unfortunate event that it becomes damaged and needs to be fixed. Some motorcycle insurance policies include rental reimbursement coverage, which can assist in covering the cost of renting a replacement vehicle during the repair period. Thanks to this coverage, you can continue your day-to-day activities and commute without interruption, minimizing inconvenience and preserving your mobility.

Coverage For Custom Parts And Equipment

To enhance their riding experience, a lot of motorcycle enthusiasts make investments in custom components, high-end equipment, or performance upgrades. However, the value of these additions may need to be adequately covered by standard motorcycle insurance policies. That’s where custom equipment and parts coverage comes in. It provides additional protection for accessories and parts from the aftermarket that are not included in the original manufacturer’s specifications. In the event of loss, damage, or theft, this coverage ensures your investments are entirely safeguarded.

Lawful Safeguard Inclusion

Legal defense coverage can be a lifesaver if you are involved in a motorcycle-related legal dispute. Attorney fees, court costs, and other legal expenses all have the potential to add up quickly. By covering those costs, you can rest assured that you will have competent legal representation and lessen the financial burden of going to court. Knowing that you are prepared for any possible legal challenges with this coverage, you can have peace of mind.

Reduced Deductible

A benefit that rewards responsible and safe riders over time is a decreasing deductible. Your deductible decreases for each year you ride without an accident. This indicates that before your insurance coverage kicks in, you will have to pay less out of pocket in case of a claim. Programs with decreasing deductibles encourage safe riding and reward riders for keeping a clean riding record.


Every motorcycle rider should know several lesser-known advantages motorcycle insurance offers. These benefits, which include roadside assistance, accessories coverage, medical expense coverage, and coverage for uninsured or underinsured motorists, can significantly enhance your riding experience and provide financial protection in unexpected circumstances.

You’ll also be prepared for long-distance trips and potential liability risks with trip interruption and enhanced liability coverage. Additionally, installing a night vision dash camera on your motorcycle can provide valuable evidence, deter theft, and guarantee clear video even in low light. You can enjoy your rides with greater peace of mind if you know these lesser-known benefits and take advantage of them.

We hope you will consider a St. Louis motorcycle insurance policy with IASTL today.

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