Special Drivers. Special Equipment. Special Risks. Special policy.
Most recreational toys and non-essential transportation vehicles such as boats, snowmobiles, RV's, etc . fall under a different category of Automotive Insurance than typical passenger cars and motorcycles. However, because motorcycles are street legal, they interact on the road with full-sized vehicles at high rates of speed. Therefore, motorcycles present much larger risks to your personal property and to personal physical injury. If you own or ride a motorcycle, you must carry special Motorcycle Insurance to cover damages caused to, and by the use of, these vehicles. Most importantly, motorcycle riders must protect themselves! Call our insurance experts to ask how.
Motorcycle riders have special needs and face unique hazards on the road. Not only are damage and replacement costs much different for motorcycles than passenger cars, the accident and personal injury risks are much greater. Those factors are very important in determining what is proper coverage by your Motorcycle Insurance policy. Professional insurance agents can help you to make this assessment.
Special coverage for motorcycles and their riders is imperative! Although regulations in each state will vary on the minimum requirements for insurance coverage, you should be sure to protect yourself fully by purchasing adequate Uninsured and Underinsured Motorist coverage. Make sure medical bills and repair costs will be fully covered for both yourself and other drivers, with sufficient Comprehensive and Collision Insurance. Also, if your ride has Custom Parts and Accessories, you'll want to add extra protection for these special replacement costs, should your bike sustain any damage in an accident. Consult our experts to find out more.
Coverage that protects against financial loss because of legal liability for injuries (bodily injury and medical payments) or damage to the property of others caused by accidents arising out of ownership, maintenance or use of a covered vehicle.
Policy option for bodily injury of property losses caused by a motorist with no coverage or coverage that is insufficient to cover total dollar amount of losses. The Underinsured Motorist compensation for the injured party is equal to the difference between the losses incurred and the liability covered by the motorist at fault.
In the event of an accident, medical payments provides for the payment of medical and similar expenses without regard for liability.
Comprehensive insurance (also known as “other than collision” in some states) covers damage to your vehicle caused by events that are out of your control. It covers things like theft, vandalism, glass and windshield damage, fire, accidents with animals, weather/acts of nature, etc. Comprehensive is an optional coverage and has a deductible which has to be met before payment will be made by the insurance company.
Collision covers damage to your vehicle caused by contact with another vehicle or object, including rollovers. Your collision coverage covers your vehicle regardless of who is at fault for the damage. Collision is an optional coverage and has a deductible which has to be met before payment will be made by the insurance company.