Are dirtbikes covered under motorcycle insurance?

Here’s some good news about dirt bike insurance

The policies that cover dirt bikes and motorcycles are pretty much interchangeable. There are some differences, but there’s enough overlap that you can generally assume that the discounts and coverage that apply to one will apply to the other when you call Sharp Insurance & Financial Services to cover your bike in Ashland, KY.

One of the key differences is that insurance isn’t required in every state, depending on how and where you use it. Many riders in Kentucky don’t bother buying insurance if they’re only going to be riding their bikes off-road and in designated areas. If you’re taking your bike out on the street or in state-owned parks, though, you’re going to need insurance. It’s also a good idea to make sure you’re covered merely because dirt bikes aren’t cheap, and the sport has an element of danger to it. Crashes aren’t always dangerous, but they happen regularly.

In any event, when you sign up with Sharp Insurance & Financial Services in Ashland, KY, or any insurance provider, you’re probably going to have your dirt bike covered under a motorcycle insurance policy. For most pertinent legal purposes, the two are treated interchangeably.

Dirt bikes can be a little less expensive to cover since they are typically cheaper to buy and cheaper to repair than full-scale motorcycles. But, generally speaking, any discounts that would apply to a motorcycle policy will apply to a dirt bike policy. There are differences between a motorcycle and a dirt bike, mostly with regards to scale, pricing, and how each vehicle tends to be used by its owner, but for legal purposes, they have more in common than they don’t. Reach out to our offices to speak with an agent and learn more about a motorcycle insurance policy.