Motorcycles! Fun to ride, economical and cheaper than a car to insure! What's to know about motorcycle insurance? Plenty. Most states require a motorcycle to be insured, but very few tell you what coverages to buy- they only tell you what the minimum levels are for motorcycle insurance. This is where companies specializing in motorcycles, mopeds, scooters and custom bikes is needed. Not to mention ATV's and snowmobiles. Always ask for clarification if you don't understand the insurance lingo or, should there be an accident, you could be S.O.L.. Professionals are ready to assist you. To get started requesting rate quotes, use the box to the right.
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Motorcyle insurance is mandatory in many states and in those where it isn't, given the cost, you'd be hard pressed to give a real reason that you shouldn't carry it. Is there a place you are more at risk for real bodily harm than on a motorcycle where other drivers don't hit your bumper, they hit your leg?! Forget rock paper scissors.. On a motorcycle, it's metal vs. skin and guess what wins? With so much at risk, the premiums on a motorcycle policy are downright cheap in most of the country. Areas like Brooklyn, NY are excluded from the above where a motorcycle policy could cost the average 20 year old a few grand... without theft and collision. When comparing policies, be sure to ask your agent or company - as the case may be - which coverages provided by the policy protect you. It's great to have liability insurance to cover the other party should you be sued and lose, but what about the medical bills you will surely incur from an accident? Who pays them? Get as much coverage as they offer to protect yourself in areas like medical paymets, no-fault and/or personal injury protection. What about accidents involving another party who is uninsured? In that instance who pays? Ah, great question. This is the purpose of a coverage commonly titled Uninsured and Underinsured Motorists. Be sure to buy as much for yourself as you do when specifying the liability limits that protect other parties. You've all heard phrases like 25/50 and 100/300. These are common abbreviations for 25000 per person in liability coverage, 50000 per accident for all parties involved. These are not legal definitions- only the company covering you can provide these- this is simply a basic explanation and is not a substitute for legal advice or the advice of an insurance company representative. Be sure to ask!!
What kind of bikes does this apply to? Sport Bikes, Cruisers, Touring Bikes, Scooters, Custom Bikes, Trikes and even Dirt Bikes! Harley Davidson's new and old need proper insurance. Are you insured properly?
Should you WEAR A MOTORCYCLE HELMET?
Have you ever seen the damage a rock kicked up by a tractor trailer will do to your mug at 70mph? It's like being shot point blank with a 12 gauge slug. You decide. A comparison of motorcycle accident severity - including fatailities - involving those wearing a helmet and those without a helmot would prove very interesting if you ask me. Perhaps we can get a company like Allstate or State Farm or even Progressive to provide it? If you represent any of these companies, please reach out as we'd love to publish this data in an effort to improve injury rates.