The worries that follow a motorcycle accident can be tough to endure for bike riders and those that love them. Unfortunately, that stress often comes with some heavy bills. It’s important that motorcyclists take great care each time they step on their bike not only for their own life, but also to protect damage to their motorcycle.
The fact remains, not all motorcyclists exercise caution while enjoying their hobby and when they are conscientious about safety, even the most careful riders are subject to other drivers on the road. These two reasons alone make motorcycle insurance a must-have to protect riders and their bikes.
Getting the right coverage protects the rider and the motorcycle by covering the following:
But accidents aren’t the only dangers that exist. There are many other risks that affect bike riders such as vandalism, an attempt of theft, or flooding, etc. With so much at stake, having a policy in place becomes necessary to ensure safe ownership and riding.
Riders should never take to the road recklessly or under the influence. Insurance is a protection, but your life and the life of others is the most important thing to consider.
Most states require coverage in order to operate a motorcycle regardless of whether you have a classic bike, a scooter, or any other motorized two-wheeler. Certain vehicles require specialized policies such as ATVs but they are essentially motorcycle policies that have been adapted to fit certain high-risk uses.
A typical motorcycle policy has both liability and property coverage. Due to the higher likelihood of theft, premiums are usually higher for bikes than for autos; however, each situation is unique and our qualified agents can help guide you through the process of choosing the coverage that best fits your situation and desired coverage.