If you own a motorcycle or other type of motor bike, it is important to obtain proper insurance to protect you from all risks and general liability that your bike is naturally exposed to. A real advantage of getting coverage from a reliable company is that you can take advantage of money-saving bundling offers by getting more than one policy from one source. Major underwriters may also offer money-savings on your motorcycle policy premium if you:
• Keep your bike in the garage or shed
• is a member of a specified motorcycle rider club or group
• have completed a safe motorcycle riding course sponsored by a
motor bike safety foundation
Although the average auto insurance policy does not include motorcycle coverage, it is relatively easy to secure a tailored plan through an experienced independent agency that has direct dealings with major national companies – one that covers important aspects related to motorcycle use. covers.
The following are some of the different forms of coverage that motorcyclists like you can choose from:
– Bodily Injury Liability Insurance
– Property Damage Insurance
– Fire – Theft – Comprehensive – Physical damage for collision insurance
– Uninsured motorist coverage insurance
Medical payments and passenger liability coverage insurance
– Custom parts and equipment insurance
Here is a quick guide to some of the insurance options you may want to include in your policy:
Custom Parts & Tools:
Should you opt for this type of coverage, you can collect up to $3,000 without any deductible. This coverage is available for up to $10,000 in custom parts and equipment.
Speak with a free agent to assess your real needs as a motorcyclist. Then, choose from the compensation offered by the companies. You will be given a choice of plans with basic liability limits that meet individual umbrella requirements, while also giving you flexibility for other coverage options. For the most part, guest passenger liability is covered in essentially the same limits as your liability option.
This insurance covers specific medical expenses that the driver and passenger may require after an accident.
Uninsured or Underinsured Motorist Coverage:
Generally, this insurance covers expenses related to injury or death resulting from an accident caused by an uninsured or underinsured (or hit and run car driver). This insurance will also cover the insured if killed as a pedestrian, not behind the wheel.