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Considering a motorcycle insurance policy is a necessity when either considering the purchase of a motorcycle or in obtaining one. Knowing the coverage options that exist in these types of insurance policies can help you make informed decisions to keep you and your bike safe and in compliance under the guidelines of the law.

What does motorcycle insurance cover?

Motorcycle insurance offers a number of coverage options. Some of these may include:

  • Comprehensive: This can cover any damage that occurs as a result of theft, vandalism or fire. For instance, if your motorcycle is stolen, this policy can cover any damages resulting from the recovery, or can provide funds for replacement based on your policy limits.
  • Collision: Collision insurance may cover the damage sustained to your motorcycle if involved in an accident with another bike, vehicle or object. If your bike hits a tree or freestanding object, the policy can cover those costs.
  • Liability: This coverage can cover any damage or injuries inflicted upon someone else as a result of your driving or negligence. It may also cover the injuries of someone riding on your bike. If you are in an accident where it is your fault and the other party is injured, this policy can cover those expenses.
  • Underinsured/Uninsured Motorist: There are instances where the other driver involved in an accident may not have insurance, or does not have enough insurance to cover your damages. This policy can cover those losses.

Is coverage the same in every state?

The coverage options available may vary by state in its requirements and limits. Talk to your independent insurance agent to get accurate information and assistance in obtaining a policy that will meet your needs and budget.

Are there additional coverage options available?

There are additional insurance coverage options available, especially if you have added a number of improvements to your bike. Additional coverage can protect custom paint jobs, any additional specialty equipment added to the bike, trailers, side cars and other elements designed to enhance the look and performance of the motorcycle. It is best to have a list of everything you have done to your bike before consulting with an insurance agent to get the right figures.

Is your bike covered? Call Turrentine Insurance Agency at (281) 476-0557 for more information on Pasadena motorcycle insurance.

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NOTICE: This blog and website are made available by the publisher for educational and informational purposes only. It is not be used as a substitute for competent insurance, legal, or tax advice from a licensed professional in your state. By using this blog site you understand that there is no broker client relationship between you and the blog and website publisher.
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Turrentine Insurance Agency
4003 Center St
Deer Park, TX 77536
Phone: 281.476.0557
Fax: 281.479.7705
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