Imagine cruising down PCH on your brand new Harley Davidson, only to hit a pothole and hear your engine fail. Not only are you unable to finish your ride, but also youâ've just been financially slapped in the face. If you are uninsured, this scenario may cause you many problems. Motorcycle insurance is critical to protect you and your bike from losses such as this one. Here are some insurance related details that are good to know:
- If you purchase a new motorcycle protection policy, your company will compensate you for a current-year bike of the same model and make in the case that your motorcycle is declared a total loss.
- If you purchase a trip interruption coverage policy, you will be covered if you have a mechanical breakdown, or accident. This insurance will pay for lodging, alternate transportation, and food until your motorcycle is repaired.
- Add a collision or comprehensive policy if you believe you need more coverage.
Even if you are insured, you should do your best to ride safely on the road. Be sure to weatherproof your motorcycle gear in case you run into a storm. Also, you should learn to tailor your driving skills to make room for slick road conditions. All riders need to be aware of motorcycle hand signals. Lastly, make sure you know what to do in the case of a bike theft. Only 39% of motorcycles were recovered after being reported stolen in the year 2012.
If you have any additional questions about motorcycle insurance, please contact one of the top insurance agencies in California,
Cook, Disharoon & Greathouse, Inc., located in Oakland! They will work with you, and research different insurance carriers to find you the insurance policy that best suits your needs. Visit the Cook, Disharoon & Greathouse website for answers to any of your other insurance questions, or to get a free quote.
