1.) What Type and Amount of Coverage Does My State Require?
Just like with autos, most states require motorcycle operators to carry at least minimum liability coverage. However, you will probably want additional coverage beyond your state’s minimum requirements.
2.) Does Liability Coverage Include My Passenger?
In short, your liability coverage will not cover your passenger who is injured while riding on the back of your bike, but you can add Guest Passenger Liability coverage to your policy to ensure that your passenger is covered for hospital bills and medical expenses. Some companies offer this automatically with your liability coverage.
3.) What Coverage Do I Need In Addition to Liability?
The answer to this question depends on how well you want to be protected while driving your bike. You can get Comprehensive and Collision coverage that will repair or replace your motorcycle in the event of an accident, fire, vandalism or theft. You can also get Uninsured and Under-Insured Motorist coverage in case you are in an accident with an uninsured or under-insured driver.
4.) Can I Get Replacement Cost Coverage?
The answer to this question depends on your insurance carrier and your policy. Most Comprehensive and Collision coverage will pay actual cash value for your bike if it is damaged, but your insurance company may offer replacement cost coverage for some makes and models if the motorcycle is less than one year old.
5.) Will Custom Accessories and Parts Be Covered?
Most policies do not automatically cover custom parts and accessories, however, you may be able to purchase optional coverage for these items. Your safety gear, such as helmets, gloves, jackets and boots, may be covered under certain policies. Check with your insurance carrier regarding these items.
6.) Can I Get Roadside Assistance Along With My Insurance?
You may be able to get Roadside Assistance coverage with your motorcycle policy. This type of coverage will pay to have your bike towed to the nearest repair shop. Sometimes, this type of coverage will include other benefits, such as trip interruption.
7.) Do I Need Medical Payment Coverage?
If you opt for Medical Payment Coverage, your policy will pay for medical care you receive as the result of an accident within the limits of your policy, regardless of who is at fault.
Other factors will determine your motorcycle insurance rates, too, like how much coverage you need and the amount of the deductible for your policy. Additionally, your insurance carrier will consider how many years of experience you have with driving a motorcycle. Check with your insurance carrier to find out if you qualify for additional discounts to further reduce your rates
It's important to talk with a licensed agent who understands motorcycles. Our agency has the experience you need when shopping for insurance. The best part is motorcycle insurance is usually inexpensive. Give us a call today. Our direct number is 602-412-3366. We are also open extended hours to help answer your questions.