Motorcycle Coverage
Even as an experienced rider, you may not know everything about motorcycle insurance coverage.
There are many optional coverages that could be easily overlooked, but have great benefits to you, as a motorcycle owner. After sharing about Foremost’s Virtual Motorcycle Rally this weekend, we thought this would be a the perfect time to talk about motorcycle insurance!
Like most motorcycle owners, I’m sure you occasionally like to share your bike with a passenger. You may assume your bodily injury liability coverage will pay for injuries to a guest passenger after a motorcycle accident you cause, however, this may not be true depending on what state you live in. Some states require motorcycle owners to purchase a separate liability policy to provide injury protection for their passengers. This is known as guest passenger liability coverage and helps pay for medical expenses or death to a passenger on your bike, in the event of an at fault accident.
Another optional coverage on most policies is coverage for custom parts and equipment. Adding special features can add to the fun of owning a motorcycle, but adding shiny new accessories and equipment doesn’t come cheap. Depending on your investment, you might want to consider custom parts and equipment coverage. This coverage helps pay for damages to any additions or enhancements that change the look or function of your motorcycle, in the event of an at fault accident.
Say you’re driving your car to a relaxing vacation spot, and you’ve brought your bike along, this time on a trailer. During your trip, there’s an accident and your trailer and bike are damaged. In this case, you’ll wish you’d purchased transport trailer damage insurance, aimed at protecting your bike (and the trailer). This optional coverage typically helps you with costs associated with: Collisions, Rollover accidents, and Non-accident-related incidents such as theft.
Insurance is all about managing your risks. Without insurance, all it takes is one accident to drain your hard-earned savings. As always, we recommend a review of all policies with your Bouvier agent to ensure you have the coverage needed.
This article provides generic information only, for specific coverage questions on your policy please contact your Bouvier Agent at 860.232.4491 or www.binsurance.com.