Month: July 2025

Accidents can happen to even the most experienced motorcycle riders in Oshkosh, NE. Motorcycle insurance policies are a specialized type of coverage designed to protect riders. While these policies include similar coverage sections as auto insurance, premiums are often less expensive—even for high-value bikes. However, medical payments coverage is especially critical for motorcycle riders. Western Trails Insurance can help you select the right motorcycle insurance to meet your needs.

Why Motorcycle Riders Are More Prone to Injury

Bodily injury liability is one of the most essential components of a motorcycle insurance policy. Unlike car drivers, motorcycle riders lack the added protection of an automobile’s exterior, making them more vulnerable to injuries. Additionally, motorcycle riders often sustain injuries to the lower half of their body due to the angle at which larger vehicles impact them. These injuries can be severe or even life-threatening, underscoring the importance of adequate liability coverage.

In Nebraska, you can also opt for personal injury protection (PIP) as part of your motorcycle insurance policy. PIP provides an extra layer of coverage for medical expenses, lost wages, and other related costs, regardless of who is at fault in an accident.

Consider Coverage for Protective Equipment

To reduce the risk of serious injuries, many motorcycle riders invest in protective gear, including full-face helmets, riding jackets and pants, boots, and gloves. This specialized gear can be expensive, making it worthwhile to consider adding coverage for theft or damage to your equipment. Some insurance carriers offer rider protection packages that include cash benefits in the event of death or dismemberment.

Learn more about how motorcycle insurance can protect you in the event of an accident in Oshkosh, NE. Contact the professionals at Western Trails Insurance to schedule an appointment and discuss your coverage options.