If you’re a new motorcycle rider congratulations! Not only are motorcycles a great way to enjoy the open roads of the Blue Ridge Mountains and view the scenery of Southwest Virginia, but they’re also a convenient and possible cost saving means of transportation.
Besides learning to ride, obtaining proper Motorcycle Insurance is a critical part of the process. Much like protective gear, insuring your bike can help keep your mind clear and focused on the road ahead. So what’s inside a motorcycle policy?
Take a look and familiarize yourself with these terms so you know what to look for:
Like an auto insurance policy, liability coverage covers you for personal injury and/or property damage that you’re liable for while operating your motorcycle. Virginia requires a minimum of $25,000 per person/$50,000 per accident/$20,000 property damage per accident. Higher limits are available and differ for each company.
This also covers guests/passengers that you’re liable for.
Uninsured Motorist Coverage and Uninsured Motorist Property Damage
This provides coverage for you if another party damages your bike or injures you in an accident and does not have insurance, carries too little insurance to cover your bills, or you’re involved in a hit or run. UM/UIM pay for damages to your motorcycle, your injuries/medical bills, and lost wages if you can’t work.
Note that available coverage is limited to no more than your liability coverage limits.
Comprehensive and Collision Coverage
Physical damage coverage for your bike. Motorcyclists take note that this also covers your bike if it’s stolen, vandalized, of if you tun the bike over. Deductibles are available in many options and some insurance providers offer a disappearing deductible.
Pays for your medical bills (or your passengers’) if you’re in an accident, regardless of who is at fault. Do note that your medical insurance is primary.
Total Loss Coverage, Carried Contents Coverage, Enhanced Injury Protection, Transportation Expenses, Towing/Roadside, and More!
Motorcycle Insurance policies are personalized to your coverage needs. There are numerous carriers to choose from and each one looks at you and your bike in a different way. With the help of our Family of Independent Agents, we help you find a policy tailored to your needs at a competitive price. We represent many of the top Motorcycle Insurance companies in the country, and work for you, not them.
Let us help.