Comprehensive coverage pays for damages caused by an event other than a collision, such as fire, theft, or vandalism. However, just like collision coverage, your insurance company will pay for damages minus your deductible and cover only the book value of the motorcycle.

Keep in mind most comprehensive and collision coverage will only cover the factory standard parts on your bike. If you decide to add on any additional optional accessories such as chrome parts, a custom paint job, trailers, or sidecars, you need to look into obtaining additional equipment coverage.

Additional Information on Motorcycle Insurance:

Liability
Collision
Comprehensive
Uninsured/Underinsured Motorist
Tips for the cost conscious rider

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