If you own a motorcycle or other type of motorcycle, it is important to obtain adequate insurance to protect you from all general risks and liabilities to which your motorcycle is naturally exposed. A real benefit of getting coverage from a trusted company is that you can take advantage of package deals to save money by purchasing more than one policy from a single source. Major underwriters may also offer savings on your motorcycle policy premium if you:

• Store your bike in a garage or shed.

• Are a member of a specific motorcycle club or group

• Have completed a safe motorcycle riding course sponsored by a

motorcycle safety base

Although the average auto insurance policy doesn’t include motorcycle coverage, it’s relatively easy to get a customized plan, one that covers the important aspects of motorcycle use, from an experienced independent agency that deals directly with major carriers. nationals.

Among the various forms of coverage that motorcyclists like you opt for are:

– Bodily injury liability insurance

– Property damage insurance

– Physical damage due to fire – theft – all risk – collision insurance

– Uninsured motorist coverage insurance

– Medical payments and passenger liability insurance coverage

– Custom parts and equipment insurance

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

Custom parts and equipment:

If you opt for 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 true needs are as a motorcyclist. Then select from the compensation offered by companies. You will be given the choice of plans with basic liability limits that meet your general personal requirements, which will also give you freedom for other coverage options. For the most part, the guest passenger’s liability is inevitably included in the same limit as the liability of his choice.

Medical coverage:

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

Uninsured/Underinsured Motorist Coverage:

Generally speaking, this insurance covers expenses related to injury or even death as a result of an accident caused by an uninsured or underinsured driver (or hit-and-run driver). This insurance will also cover the insured if he is not hit while driving but as a pedestrian.