While most bikers have a basic understanding of their insurance, it’s best to learn more about the details BEFORE you make a claim. Below are things to consider:
- If your motorcycle breaks down and can't be ridden, does your insurance provide help? Some insurance will pay for proper equipment to be sent to service your bike, if a collision, lodging, meals, and transportation.
- Does your insurance pay for damage to any clothing designed to minimize injuries from a motorcycle accident, including helmets and leathers?
- What about accessory coverage? Most carriers have an optional equipment coverage for motorcycle accessories such as parts, decorations, custom painting, chroming, side car or other items not originally provided by the manufacturer.
- Your bike is a total loss. Now what? Do you have replacement cost coverage? Check with your carrier because you may get the short end of the stick if you do not have this type of coverage.
- Discounts? Check into multi-unit, multi-policy, preferred drivers, safety course discount, prior insurance, affinity group discount etc… May be worth your time to check into these.
- Do you have collision coverage? If not, you will have no coverage for damages you caused. Uninsured/Underinsured Motorists Coverage? Critical considering how many drivers do no have insurance.
Learn about the details of your coverage before learning about it the hard way.
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