Motorcycle Insurance Basics

There’s nothing quite like the joy of riding a motorcycle. This holds especially true when the weather is nice. Now that we’re headed to the summer season it’s time to break out the bikes. However, before you do it’s important to ensure that your ride is properly insured. The following information will provide you with some key motorcycle insurance basics. First and foremost, motorcycle insurance protects you just in case you get into an accident with your bike.

It also covers loss, theft, and damage. Motorcycle insurance also provides you with liability coverage if you happen to be responsible if another party is injured or you cause property damage. Whether you have recently purchased a motorcycle or are looking to switch insurance companies, you probably have some questions. For example, you may not know exactly what motorcycle insurance covers. In addition, you may not be fully aware of the financial based risks that you need to face if you cause an accident. So what does a typical motorcycle insurance policy cover?

In essence, it will cover a portion of the repair costs to fix your motorcycle. The policy will also provide you with coverage if you are the cause of an accident and need to compensate another party or multiple parties. It will also cover your legal fees that are associated with an accident that you caused. The coverage goes up to the limit of your policy. For example, if you have a $250,000 motorcycle insurance policy it will cover up to $250,000 of damages and legal fees. However, if the damages and or legal fees go above and beyond the coverage, you are responsible for paying the difference out of pocket.

The cost of your policy depends on the amount of coverage. It is a delicate balance between cost and coverage. Many motorcycle riders make the mistake of taking out a small amount of coverage in order to decrease the cost of their policy. However, you need to ensure that your policy amount will cover any motorcycle accident that you may be involved with. Hopefully you never need to use your motorcycle insurance, but it’s nice to have a large amount of coverage just in case you do. Unfortunately, many bike riders are tempted to take out a less expensive policy with less coverage and end up paying the price for it.

You can also customize your motorcycle insurance policy to cover the full replacement cost of your bike in case you total it in an accident. Comprehensive coverage pays for damage or loss based on things other than accidents. For example, if your bike is damaged or ruined due to the weather, than your comprehensive coverage will pay to repair or replace the bike.

In conclusion, if you own a motorcycle in the Commonwealth of Massachusetts, than you need to have the proper motorcycle insurance policy in place. Please consult with a professional insurance agent that specializes in providing motorcycle insurance. It is important to fully understand exactly what you are buying when it comes to insurance policies.

If you have any questions, please call (508) 831-0133 to contact an associate at Zawada Insurance. We are happy to walk you through the details of your insurance policies and explain your coverage options. We look forward to helping you with all of your personal and or business related insurance needs now and in the future.

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