What you want to know about motorcycle insurance

If you own a motorcycle or any other type of motorcycle, it’s important to get proper insurance to protect you against all the risk and general liability your motorcycle is naturally exposed to. A real advantage of getting coverage from a reliable company is that you can reap the benefits of money-saving bundle offers by purchasing more than one policy from a single source. Leading insurers can also save money on your motor policy premium if you:

• Park your bicycle in a garage or shed
• Be a member of a particular motorcycling club or group
• Completed a motorcycling safety course sponsored by a
Motorcycle Safety Foundation

While the average car insurance policy doesn’t include motorcycle coverage, it’s relatively easy to purchase a tailored plan – one that covers the important aspects of motorcycle use – through an experienced, independent agency that has direct contacts with the major national companies .

Among the different types of coverage motorcyclists like you choose are the following:

– Personal injury liability insurance
– Property damage insurance
– Physical damage for fire – theft – hull – collision insurance
– Uninsured car insurance
– Medical payments and liability insurance for passengers
– Custom parts and equipment insurance

Here’s a quick guide to some of the insurance options you may want to include in your policy:

Custom parts and equipment:

If you choose this form of coverage, you can collect up to $3,000 with no deductible. This coverage is available up to $10,000 in custom parts and equipment.
Liability coverage:

Talk to an independent agent to assess exactly what your real needs are as a motorcyclist. Then choose from the indemnification offered by companies. You get a choice of plans with basic liability limits that meet personal overarching requirements, which also gives you room for other coverage options. For the most part, guest passenger liability is inevitably included at the same limit as your choice of liability.

Medical cover:

This insurance covers specific medical costs that the driver and passenger may need after an accident.

Cover for uninsured or underinsured motorist:

Generally, this insurance covers costs related to injury or even death resulting from an accident caused by an uninsured or underinsured (or hit-and-run driver). This insurance also covers the insured if he is not hit behind the wheel but as a pedestrian.