--- description: There is no easy answer when deciding whether or not motorcycle collision insurance is worth it, but let us help you in your decision. title: Is Motorcycle Collision Insurance Worth It? - Fran Haasch Law Group --- Is Motorcycle Collision Insurance Worth It? - Fran Haasch Law Group [Home](https://www.lawfran.com/) » [Motorcycle Accident Lawyers](https://www.lawfran.com/motorcycle-accident-lawyers/) » Is Motorcycle Collision Insurance Worth It? # Is Motorcycle Collision Insurance Worth It? Last Updated: October 16, 2025 Reading Time: 5 minutes trusted Content Legally Reviewed by: Fran Haasch Updated 8 months ago Table of Contents Our Case results $5,010,000 Motorcycle Accidents $4,000,000 Motorcycle Accidents $4,000,000 Motorcycle Accidents $3,010,000 Motorcycle Accidents $2,405,000 Motorcycle Accidents $2,400,000 Motorcycle Accidents $2,400,000 Motorcycle Accidents $2,330,000 Motorcycle Accidents $1,600,000 Motorcycle Accidents $1,550,000 Motorcycle Accidents $1,500,000 Motorcycle Accidents $1,500,000 Motorcycle Accidents $1,494,446 Motorcycle Accidents $1,400,000 Motorcycle Accidents $1,400,000 Motorcycle Accidents $1,300,000 Motorcycle Accidents $1,300,000 Motorcycle Accidents $1,300,000 Motorcycle Accidents $1,250,000 Motorcycle Accidents $1,200,000 Motorcycle Accidents View All Results Our Practice Areas Testimonials Extremely attentive and considerate. Highly recommend them. When I got in my car accident they kept me up to date with everything didn’t have to be on top of them. Very professional. Thank you guys for all you help me with. Julie Rodriguez I was in a car accident a few years ago, they helped me through the process .Very professional and very generous toward the different charities that they help. I've gotten to know a lot of good people throughout the years that are affiliated with them. Thomas Scharf Attorney Fran Haasch was great in helping me with my medical bills and settling my case! They really cared about me and my family. I recommend them, if you have injuries from an automobile accident. Sofia Beshara Contact Us Today Free Consultation Call us Anytime 24/7 (727) 784-8191 CompanyThis field is for validation purposes and should be left unchanged.Name(Required) First Last Email Phone(Required)Are You a New Client?Are You a New Client?Yes, I am a potential new client.No, I am a current existing client.I'm neither.Case Details(Required)Communication Consent I consent to receive calls and emails from Fran Haasch Law Group Accident & Injury Lawyers, including via automated technology, AI-assisted systems, and prerecorded messages, regarding my inquiry and related legal services. Consent is not a condition of services. [Disclaimer](https://www.lawfran.com/disclaimer-and-terms-of-use/) | [Privacy Policy](https://www.lawfran.com/privacy-policy/)SMS/Text Message Consent I consent to receive text messages from Fran Haasch Law Group Accident & Injury Lawyers at the phone number provided, including messages regarding my inquiry, case updates, and appointment reminders. Frequency may vary. Message & data rates may apply. Text HELP for assistance, reply STOP to opt out. Δ Motorcycle collision insurance is a type of coverage designed to protect you if you are involved in a motorcycle accident. This type of motorcycle insurance policy can be beneficial, but it is essential to understand whether or not it is worth the cost. In this blog post, we will discuss motorcycle collision insurance and whether or not it is worth the investment. If you love riding, you’ll love working with The Fran Haasch Law Group. We have a group of [motorcycle accident attorneys](https://www.lawfran.com/motorcycle-accident-lawyers/) who are also incredibly passionate about motorcycles. If you ever suffer an injury in an accident on your bike that’s not your fault, we’ll work as hard as we can to help you obtain the money you have coming to you. Schedule a [free evaluation](https://www.lawfran.com/contact-us/) of your case at your earliest convenience. ## **Should I Consider Motorcycle Collision Insurance?** There is no easy answer when deciding whether or not motorcycle collision insurance is worth it. Ultimately, the decision depends on many different factors, including your driving history, the value of your motorcycle, and the amount of coverage that you select. Remember that motorcycle collision insurance usually costs more than regular motorcycle liability insurance. However, this type of policy may be worth the investment if you have a history of accidents or if your motorcycle is expensive. ## **What are the Pros and Cons of Motorcycle Collision Insurance?** ### **The Pros of Motorcycle Collision Insurance:** – If you are involved in an accident, your policy will help pay for damages. – It can provide peace of mind while riding your motorcycle, knowing that you have some coverage in place. ### **The Cons of Motorcycle Collision Insurance:** – The cost of motorcycle insurance is often higher than most people expect or are willing to pay, so they may opt out because it seems like an unnecessary expense. – Motorcycle collision insurance only covers accidents, so if your motorcycle is stolen or damaged by another means (fire/flood), then you will have wasted all the money you spent on premiums. This type of policy does not cover those types of losses. So, is motorcycle collision insurance worth it? In most cases, the answer is yes. This type of coverage can provide peace of mind and financial protection if you are involved in an accident. However, it is essential to consider your motorcycle’s value and how much coverage would cost before deciding whether or not motorcycle collision insurance is worth the investment. ## **How to Get the Best Motorcycle Collision Insurance Rates** The best motorcycle collision insurance rates are available to those who maintain a good driving record, [drive safely](https://www.lawfran.com/motorcycle-accident-lawyers/safety-tips/), and have no accidents on their motorcycle. If you’re looking for [cheap motorcycle insurance](https://www.lawfran.com/blog/2022/02/how-to-lower-your-motorcycle-insurance/) that provides coverage in case of an accident, ask your agent about discounts for safe drivers with clean records. They can help find you affordable plans that meet all state requirements without breaking the bank. ## **Is Collision Insurance Required for Motorcycles?** Collision insurance is not required for motorcycle riders, but it is always a good idea to have some coverage in place. The best motorcycle collision insurance rates are available through motorcycle insurers specializing in this type of policy and offer discounts based on driving history, age, gender, marital status, credit score. ## **How is the Cost of Motorcycle Insurance Determined?** [Motorcycle insurance costs](https://www.lawfran.com/blog/2022/02/is-a-motorcycle-cheaper-on-insurance/) are typically based on the motorcycle’s value, the driver’s age and driving history, and other factors. Some insurers also offer discounts for those who have completed a safety course or have no accidents on their record. It is essential to consider your motorcycle’s value and how much coverage would cost before deciding whether or not motorcycle collision insurance is worth the investment. If you’re looking for the least expensive coverage, ask your agent about discounts for safe drivers with clean records. ## **Should I Get Comprehensive Motorcycle Insurance if I Also Have Collision Coverage?** There is a big difference between comprehensive and collision insurance coverage. Collision insurance covers accidents only, while full coverage motorcycle insurance helps protect your motorcycle from theft, vandalism, fire, or other types of losses. Therefore, it is important to understand the differences before purchasing any type of motorcycle coverage. However, there are times when comprehensive insurance won’t cover all damages. Deciding whether to purchase comprehensive or collision coverage is a big decision. If you’re looking into motorcycle collision insurance options, make sure your insurance agent clearly spells out all of your options so you can make the right choice. You will also want to know about your options for bodily injury liability coverage, especially if you ride on a regular basis. ## **Other Types of Motorcycle Insurance Coverage Options** In addition to comprehensive coverage and collision coverage, there are a variety of other motorcycle insurance coverage options available, including: – medical payments – property damage – towing and roadside assistance –[Uninsured/underinsured](https://www.lawfran.com/car-accident-lawyers/do-you-need-uninsured-motorist-coverage/) motorist coverage Be sure to ask your agent about discounts for safe drivers, or those who have completed a safety course. You may also want to consider adding additional coverage for custom parts or equipment on your motorcycle. Buying motorcycle insurance is different than buying auto insurance. Make sure you work with a company with people who have a deep understanding of those differences. ## **Tell Me the Difference Between Coverage Limits and Deductibles** Coverage limits are what motorcycle insurance coverage will pay out in the event of an accident. Deductibles are how much money you will have to pay before your motorcycle insurance company pays anything at all. ## **What Happens if I Have a Motorcycle Accident?** If you’re involved in a motorcycle accident, it is important that you notify the police right away so they can take down the details of your case and contact any witnesses who may be able to help establish fault or liability on either side. After an accident, you will need to submit a motorcycle collision insurance claim to receive compensation for your damages. Your insurer will work with you to assess the damage and determine how much money they are willing to pay out. You may be required to provide documentation such as repair estimates in order to process your claim. If you’re not sure whether motorcycle collision insurance is right for you, speak with an agent about your coverage options and what would be best for your needs. ## **Get in Touch with The Fran Haasch Law Group if You’re Hurt in a Motorcycle Accident** If you’re in a motorcycle accident caused by someone else’s negligence,[ The Fran Haasch Law Group](https://www.lawfran.com/about-us/) will be ready to help. Our attorneys have a great deal of experience in these kinds of cases, and we also have a track record of success in helping our clients get the money they deserve. If you’re having problems getting a fair settlement offer from an insurance company, we’ll negotiate on your behalf. But if that equitable offer isn’t forthcoming, we’ll be more than prepared to fight for your rights in a court of law. We’ll gather the evidence needed to make the strongest case possible on your behalf. Please don’t hesitate to contact us for a [free case evaluation](https://www.lawfran.com/contact-us/) to learn more. INJURED IN FLORIDA? The Fran Haasch Law Group Is Here for You. Whether you’ve been hurt in a [motorcycle crash](https://www.lawfran.com/motorcycle-accident-lawyers/), [car accident](https://www.lawfran.com/car-accident-lawyers/), [truck collision](https://www.lawfran.com/truck-accident-lawyers/), or another serious incident, you deserve strong legal representation. Our experienced Florida [personal injury attorneys](https://www.lawfran.com/palm-harbor-personal-injury-lawyers/) will fight to protect your rights and help you recover the compensation you need. Schedule Your Free Consultation Share this page Find an Office Near You Our Motorcycle Accident Locations At Fran Haasch Law Group Accident & Injury Lawyers, we’re proud to serve clients throughout the greater Tampa Bay area and beyond. With multiple offices across the region, our team is dedicated to making it easy for you to access experienced legal help close to home. Select a location below to learn more about the services available near you. Meet Our Attorneys ## Francoise M. Haasch Founding Attorney Over 20 Years Experience Personal Injury Car Accidents Motorcycle Accidents Lifetime Member Known for extensive trial experience and consistent client advocacy across complex injury cases. Meet Francoise M. Haasch ## Joshua R. Lipton Managing Attorney Over 20 Years Experience Personal Injury Car Accidents Motorcycle Accidents Recognized for consistent results and strong client advocacy in complex accident cases. Meet Joshua R. Lipton ## David R. Fuller Attorney Over 30 Years Experience Personal Injury Litigation Secured more than a dozen seven-figure settlements for clients. Meet David R. Fuller ## Allen J. Pipkins II Attorney Over 10 Years Experiece Personal Injury Wrongful Death Motorcycle Accidents Combines experience from both plaintiff-side injury firms and large insurance companies. Meet Allen J. Pipkins II ## Laura Smith Davies Attorney (Of Counsel) Almost 20 Years Experiece Personal Injury Wrongful Death Motorcycle Accidents Known for her versatile trial experience and leadership roles across multiple legal disciplines. Meet Laura Smith Davies Related Content Want to learn more about car accidents? Whether its how to prevent them or what to do once you’ve been in one, [our blog](https://www.lawfran.com/blog/) can help you gather the knowledge and information you need. 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In most cases, the Read Full Post » Crash Data September 26, 2020 A Look at Recent Motorcycle Crash Data As a motorcycle rider, you already understand that riding can be statistically more dangerous than driving, especially when Read Full Post » ## Contact Us Today (727) 784-8191 Our experienced attorneys are here to help you navigate your legal rights with confidence. URLThis field is for validation purposes and should be left unchanged.Name(Required) First Last Email Phone(Required)Are You a New Client?Are You a New Client?Yes, I am a potential new client.No, I am a current existing client.I'm neither.Case Details(Required)Communication Consent I consent to receive calls and emails from Fran Haasch Law Group Accident & Injury Lawyers, including via automated technology, AI-assisted systems, and prerecorded messages, regarding my inquiry and related legal services. Consent is not a condition of services. 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