Motorcycle Insurance

Why do you need insurance for your motorcycle?
You’ll enjoy being out on the open road even more when you’re not worried about the safety of yourself, your passengers or your investment. Here are a few things to consider:

• If you’re in an accident or your motorcycle is stolen, it costs money, often a lot of money, to fix or replace it.
• If you or a passenger is injured in an accident, medical costs can be extremely expensive.
• If your motorcycle is responsible for damage or injury to others, you may be sued for much more than you’re worth.
• Your motorcycle may be one of your most prized possessions. It deserves special protection.

Your Independent Insurance Agent is an advocate for finding insurance that meets your specific needs. Here are a few things to consider as you prepare for the discussion:

• How much can I afford to pay if my motorcycle is in an accident, damaged or stolen? (Ask your agent what your cost savings would be if you raised your deductible.)
• What discounts and programs are available? (Ask about discounts for taking safety classes or having multiple policies. You may also save money if your motorcycle is stored in a garage or if you belong to a motorcycle association.)
• How much medical and liability coverage should I have?

Definitions of Coverages available on Motorcycle policies:
(additional coverages may be available with different carriers) 

Bodily Injury Liability:  pays the medical and other expenses of people injured in an accident you cause.

Property Damage Liability:  covers the damage your motorcycle causes to property, usually the other vehicle involved in the accident - but also any objects you may hit such as building, guardrails, or any other object.

Collision: covers the damage done to your motorcycle when it collides with another car or object. Usually a deductible (like a co-pay) is applied to this coverage. Deductible can vary from $100 to $2500. 

Comprehensive: This coverage is sometimes called "Other than Collision" and covers damage to your motorcycle that results from something other than a moving collision. For example damage caused by theft, vandalism, fire or failing objects. Usually a deductible (like a co-pay) is applied to this coverage. Deductible can vary from $100 to $2500.

Medical Payments pays medical expenses if it is involved in a collision, regardless of who caused the accident.

Uninsured / Underinsured Motorist: covers injuries to you, and, in some cases, damage to your motorcycle, if you are hit by a driver who doesn't have insurance or not enough insurance to cover your damages.

CALL US FOR A QUOTE!