Everything You Need to Know About AAA Insurance Motorcycle

Are you planning to buy a new motorcycle? If yes, then you must also consider getting a motorcycle insurance policy to protect your investment. With several insurance providers in the market, it can be overwhelming to choose the right one. However, AAA Insurance is one of the best options you can consider. In this article, we will discuss AAA Insurance Motorcycle in detail to help you make an informed decision.

What is AAA Insurance Motorcycle?

AAA Insurance Motorcycle is a policy offered by the American Automobile Association (AAA) to protect motorcyclists financially in case of accidents, theft, or damage. The policy covers liability, collision, comprehensive, uninsured/underinsured motorist coverage, medical payments, and more. AAA Insurance Motorcycle is available in almost all states in the US and provides excellent customer service, discounts, and flexible coverage options.

Liability Coverage

Liability coverage is mandatory in most states and covers damages you cause to other people and their property while riding your motorcycle. AAA Insurance Motorcycle liability coverage includes bodily injury liability and property damage liability. Bodily injury liability covers medical expenses, lost wages, and other damages resulting from injuries to others, while property damage liability covers damages to someone else’s property, such as a car, fence, or building.

AAA Insurance Motorcycle liability coverage is available in different limits, and you can choose the one that suits your needs and budget. The higher the limit, the more protection you will have, but the higher the premium you will pay.

Collision Coverage

Collision coverage pays for damages to your motorcycle resulting from a collision with another vehicle or object, regardless of who is at fault. AAA Insurance Motorcycle covers the cost of repairs or replacement of your motorcycle up to the policy limit.

The policy also covers damages resulting from hitting a pothole, ditch, or other road hazards. However, collision coverage does not cover damages resulting from wear and tear, mechanical breakdowns, or intentional damage.

Comprehensive Coverage

Comprehensive coverage pays for damages to your motorcycle resulting from theft, vandalism, fire, hail, or other non-collision incidents. AAA Insurance Motorcycle covers the cost of repairs or replacement of your motorcycle up to the policy limit.

The policy also covers damages resulting from natural disasters, such as floods and earthquakes. However, comprehensive coverage does not cover damages resulting from intentional damage, mechanical breakdowns, or wear and tear.

Uninsured/Underinsured Motorist Coverage

Uninsured/underinsured motorist coverage pays for damages to you and your motorcycle caused by a driver who is either uninsured or underinsured. AAA Insurance Motorcycle covers medical expenses, lost wages, and other damages resulting from injuries to you and your passenger, as well as damages to your motorcycle.

The policy also covers hit-and-run accidents where the other driver is not identified. Uninsured/underinsured motorist coverage is optional in most states, but it is highly recommended, especially if you live in an area where there are many uninsured/underinsured drivers.

FAQ

Conclusion

AAA Insurance Motorcycle is an excellent option for motorcyclists who want comprehensive and flexible coverage options, excellent customer service, and discounts. The policy covers liability, collision, comprehensive, uninsured/underinsured motorist coverage, medical payments, and more. However, it is essential to choose the right coverage options and limits that suit your needs and budget. You can get a quote online or by contacting an AAA Insurance agent to help you make an informed decision.