It’s Important to Know Your Options When Buying Motorcycle Insurance
When you’re shopping for motorcycle insurance, you can pick and choose what type and how much coverage you and your bike need. Here are some options you can choose from at Send Me a Quote.
You’re covered for personal injury and property damage up to your policy limits if you’re at fault in a motorcycle accident, and somebody else is injured, or their property is damaged.
Comprehensive and collision
With comprehensive coverage, you’re insured for events that don’t involve a collision, like if a tree falls on your bike, or it’s vandalized. With collision coverage, your bike is insured in the event that it’s involved in an accident, regardless of who was at fault.
This coverage is particularly important for motorcyclists. There’s no steel body, airbags or seat belts to protect you in a collision. You’re much more likely to suffer injuries in a motorcycle accident than in a car accident. Medical payments coverage is available to cover medical bills that you incur as a result of an accident on your bike up to your coverage limit. Because you’re on a motorcycle, and medical payments coverage is so inexpensive, you may want to get the highest medical payments coverage possible.
Uninsured/underinsured motorist insurance
About 25 percent of all drivers out there are either completely uninsured or underinsured, and carry only minimum required liability policy limits. This covers you and members of your household up to your policy limits for injuries and property damage when an uninsured or underinsured driver is at fault for an accident.
Roadside assistance and towing
If your bike breaks down on the road, roadside assistance coverage pays to tow your motorcycle to the closest qualified shop for repairs. It even helps pay for certain specified repairs.
If you’ve purchased and added on customized parts and equipment, keep records of what you’ve bought, and take photos of your bike once those are added on. Although your comprehensive or collision coverage insures customized parts and equipment, the amount of coverage is relatively low. Riders with expensive and highly customized parts and equipment might want to look at this additional coverage.
We want to be your personal insurance shopper
We do all of the legwork and you get the savings. When it’s renewal time, we start the process all over again to assure you that you’re getting the best rates for the coverage that you want. Just contact us to get the motorcycle insurance coverage that you’re looking for. We’ll take care of everything else!