5 Things You May Not Realize Motorcycle Insurance Covers
You probably already know most of what is covered by your motorcycle insurance, like property damage and medical bills. Depending on your policy, however, it can cover far more than the basics. Below are a few items you may not have realized a policy can cover.
What Motorcycle Insurance Covers
1. Custom & Vintage Bikes
If you’re concerned your bike is uninsurable, think again. Most insurance companies offer policies that cover almost any type of motorcycle, including customized, sports, and vintage bikes.
2. Non-Motorcycle Vehicles
Auto and homeowners insurance policies don’t cover other types of leisure vehicles, such as ATVs, golf carts, or mopeds. They can, however, be covered by a motorcycle insurance policy. Many skip policies for these vehicles, but considering the lack of safety features, insurance coverage can protect riders in case of an accident.
3. Protective Gear
With accessory coverage, your motorcycle insurance policy can also cover the protective gear needed to keep you safe on the road. Items that may be covered include helmets, leather pants and jackets, boots, gloves, and more. These items can be costly to replace if stolen or damaged in an accident, but adding accessory coverage can make it much more manageable.
4. Food & Lodging
Road trips are a favorite pastime of many motorcyclists, but what happens if your bike breaks down before you reach your destination? Without insurance, you could be on the hook for the unexpected cost of a hotel and food. If you have motorcycle insurance, however, you’re protected from those costs and can rest easy while you wait for your bike to be repaired.
5. Accessories
Many motorcyclists add custom accessories and equipment after purchasing their bike. Accessories can include sidecars, antennas, audio equipment, trailers, trike conversion kits, and more. With the addition of a custom parts and equipment (CPE) policy, these are all covered if they’re stolen or damaged.
Whether you’re shopping for motorcycle insurance for the first time or you want to evaluate your policy to ensure you have the right amount of coverage, turn to the professionals at 1st Choice Insurance in Fairfield, OH. They offer inexpensive car insurance and will work with you to get you the lowest rates possible. You may even qualify for a discount if you get multiple policies through them, like a motorcycle and homeowners insurance policy. Request a motorcycle or car insurance quote online or call (513) 860-0666 to speak with an agent.
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