Driving a motorcycle can be an exhilarating experience, but understanding the danger involved is key. Having adequate motorcycle insurance is the first line of defense in protecting your interests, the safety of others and those unforeseen circumstances that may occur.
What is motorcycle insurance?
Motorcycle insurance covers your vehicle just like a car, but policies are specialized for the unique structures and risks of bikes. In fact, this protection is so important that liability coverage is a requirement in every state. You may also be required to have a specialized license or certification to operate a motorcycle.
What is included in motorcycle insurance?
Every motorcycle policy is specifically designed for the rider to make sure they have what they need to stay safe. A good policy will include:
- Liability: This covers any damage or injuries to others or their property, including medical coverage. There are policies with which you can insure a second person on your motorcycle as well.
- Collision: This coverage pays for any damage to your motorcycle that may result from an accident. It provides protection whether you are at fault or not.
- Comprehensive: Comprehensive coverage protects your motorcycle against incidents than wrecks, such as theft, fire, flood and vandalism.
- Uninsured/Underinsured Motorist: There are many times where the other party of an accident does not have insurance. This coverage protects your interests when the at-fault party cannot.
When operating a motorcycle, it is important to consider safety first. Wearing a helmet and protective clothing is an essential factor. You may be able to get discounts for your motorcycle insurance if you have specific training courses or have taken a safety education class.
What determines my coverage rate?
When looking into motorcycle insurance, there are a number of factors that go into determining your rate. Insurance companies consider the style, type and age of the bike, number of miles, how often it’s used and any safety or training certifications. Those are just the basics. Your personal driving record, gender, age, marital status, credit record, location and accident history are also considered when formulating the quotes you receive for coverage.
For more information or to receive a quote, call your insurance agent today!
Get the coverage you need. Call Salzberg Insurance Agency at (757) 583-1828 for more information on Norfolk motorcycle insurance.