Love Motorcycles? Motorcycle Insurance 101 – Things You Need To Know!

Warm weather approaches and you’re filled with the urge to hit the open road. And that means it’s the prime time for motorcycles! Who doesn’t love that sense of freedom and adventure. But, there is a downside what if something happens? Are you covered? Following are some “need to know” facts to make sure you’re informed and ready to enjoy your ride!

Motorcycle insurance is similar to automobile coverage, but there are some differences that you need to be aware of.
Liability: You will want to carry liability insurance in case of third party injuries. Check into a liability package that will also cover any passengers on your bike. Comprehensive: Don’t let vandalism, fire or theft destroy your pocketbook. Comprehensive insurance coverage will reimburse you (less the deductible) for these types of incidences.Collision: This type of coverage will reimburse you for the damage to the factory parts of your bike. If you have “tricked out your ride” and added lots of custom accessories, you’ll want to check into extra coverage specifically for the custom work.Uninsured and Underinsured Motorists: A necessity for instances where lost wages and medical bills are a factor.
Let’s look a couple of scenarios. Note that coverage varies from agency to agency. Read your policy and check with your agent to make sure you are covered.

Scenario 1: Your friend offers to lend you their motorcycle to go for a spin. You have car insurance, so you think you must be covered. Check with your insurance agent as most car policies do NOT cover motorcycles and you may be riding without insurance coverage.

Scenario 2: Your motorcycle is in the shop for repairs and you need to rent one for a few days. Are you covered? Most likely you are. Again, check your policy

Be sure to follow some simple safety tips when you “hit the road”!

Gear: Wear protective leather whenever possible. And, customize your bike with some safety gear. Check with your insurance agent as some policies offer coverage of these items.Visibility: Motorcycles are at the bottom of the food chain when it comes to being visible. The popularity of SUVs has also increased the danger levels as they often have blind spots leaving you literally invisible. Increase your odds of being visible by using your headlight at all times and by driving in the most visible areas of your lane. If you can see the rear view mirrors of other vehicles, chances are they can see you too.Helmets: Although the law in Florida doesn’t require you wear a helmet, they will help protect you from head injuries. Let the road and traffic conditions dictate whether or not you use a helmet.
Bottom line is to stay safe and enjoy the open road! We’ll cover more safety and awareness issues in the future, so be sure to check back.

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