What is Uninsured and Underinsured Motorist Auto Coverage

by Administrator 15. November 2022 12:16

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Basic Guide to Motorcycle Insurance

by Administrator 29. October 2022 04:51

Bikes or motorcycles are more prone to risks and dangers. This calls for the suitable precautionary measures and coverage. Motorcycle insurance offers financial coverage against damages incurred due to accidents, vandalism, theft, third-party liability, natural calamity, and many more.

What coverages are provided as part of the motorcycle insurance policy?

Bodily Injury and Property Damage Liability

This covers damage to the other party in case you are the one at fault in an accident. In addition, motorcycle Insurance covers accident-related third-party liability, including property damage expenses and medical payments.

Comprehensive & Collision

A comprehensive plan covers expenses arising when your motorcycle is stolen or damaged in an accident (repair or replacement).

Uninsured/Underinsured Motorist

Uninsured/Underinsured Motorist coverage comes in handy when the defaulting party in an accident does not have an auto/motorcycle insurance cover (uninsured) or is insufficiently covered (underinsured). In addition, expenses incurred due to medical treatment and lost wages are covered under Motorcycle Insurance.

Medical Payments

Medical Payments coverage provides financial assistance by covering the medical expenses arising from the accident, irrespective of who is at fault. Medical payments have a specific limit up to which they can be availed.

Custom Parts & Equipment

In case motorcycle parts and accessories are not readily available in the market, Custom parts and equipment cover ensures that these accessories and parts can be replaced in the event of a motorcycle accident (limits can again vary depending upon the insurance plan you choose)

Roadside Assistance

Roadside assistance is on-ground assistance that covers the expenses of towing your vehicle to the nearest repair facility. It also covers the labor costs in case your motorcycle breaks down or has a mechanical failure while you are on the road. 

Shawn Camp Insurance Agency Inc. is an independent and reputable insurance agency that serves the residents across Texas, including the cities of Killeen, Copperas Cove, Gatesville and Harker Heights. Shawn Camp Insurance Agency Inc. offers protection for your assets and investments by specializing in home insurance, auto insurance, car insurance, RV & travel trailer insurance, motorcycle insurance, boat insurance, watercraft insurance, golf cart insurance, and renters insurance. The agency offers insurance policies that can accommodate each person's unique needs and budgets by providing a variety of insurance plans.

Browse through www.shawncampinsurance.com to choose the best coverage for your motorcycle insurance. You can also visit us at 2707 East Hwy 190, Copperas Cove, TX 76522.

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Motorcycle Insurance In Killeen, TX

by Administrator 18. November 2021 08:55

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Why You Need Motorcycle Insurance

by Administrator 29. October 2021 09:31

Motorcycle insurance provides financial protection to motorcyclists in an event of an accident. The liability of those with motorcycle insurance is borne by the insurance company. The insurance is considered to be a smart investment for anyone with a motorcycle worth $5,000 or more. In most states, motorcycle insurance is compulsory and those without it are liable to fines or surrendering licenses in the event of being pulled over.

Following are the benefits of motorcycle insurance:

  • Breakdown Coverage: In case of a mechanical breakdown, a bike owner can be provided with optional coverage for repairs to the bike. So each time you visit a repair shop for fixing your bike’s transmission or engine, you will be compensated for the same.
  • Liability Coverage: In the event of an accident, if a person or his properly undergoes any form of damage, the right coverage will help you compensate for the same. This form of insurance is beneficial for new riders or those who ride in areas that are prone to accidents.
  • Underinsured/Uninsured Coverage: This coverage is helpful in case a bike owner gets into an accident with an individual who has no insurance or is underinsured. The insurance compensates for the amount over and above that is covered by the underinsured individual’s insurance.
  • Medical Payments: If the rider get injured while riding a motorbike, motorcycle insurance covers the medical bills for injuries caused. The insurance company takes care of the medical bills irrespective of who caused the accident. In some states, riders can also purchase PIP insurance for wider coverage of costs e.g. child care expenses, loss of wages due to the accident, etc.
  • Collision Coverage: This coverage compensates for the cost of repairing or replacing a motorcycle after deducting deductibles in case of a collision. It compensates up to an amount that is equivalent to the price of a similar bike in the market instead of a specific dollar limit.
  • Comprehensive Coverage: If a motorcycle is damaged due to any other factor other than a collision, motorcycle insurance covers the cost of its repairs or replacement. Such an event could be a fire, storm, theft, etc. This coverage is effective even if the bike owner is not riding it and it is simply stored away.
  • Custom Parts & Equipment: If your bike has unique parts or accessories, you can invest in coverage for the same in case of an accident. A limit is set on the amount of coverage you can claim in case of such damage. Any amount above this limit is the responsibility of the bike owner.
  • Roadside Assistances & Towing: This coverage provides roadside assistance wherein your bike will be towed to the nearest service station at a discounted rate or free of cost. It also covers issues like flat tires, battery failures, and electrical breakdown.
To know more about motorcycle insurance in Killeen, call Shawn Camp Insurance Agency, Inc., at (254)-526-0535 or visit 2705 E. Stan Schlueter Loop, Suite 101 Killeen, Texas 76542.

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Importance of Motorcycle Insurance

by Administrator 28. September 2021 09:07

Motorcycle insurance is required in most states for protection from financial liabilities in the event of an accident, natural calamity or unexpected events such as fire and theft. The insurance covers replacement costs, medical bills, repairs and the cost of fixing property that has been damaged due an accident caused by a motorcycle.

Listed below are some reasons for buying motorcycle insurance if you own a motorcycle:

  • It covers Medical Expenses: Motorcyclists involved in accidents are likely to suffer from serious injuries that may require immediate medical intervention. This could lead to unexpected medical expenses that may be expensive depending on the severity and nature of injury. In order to protect yourself from such medical costs, it is advisable to invest in motorcycle insurance as it covers medical costs associated with motorcycle accidents.
  • Provides Personal Injury Protection: In addition to the liability coverage under the state law, you can also purchase additional coverage for personal injury protection (PIP). This covers medical bills irrespective of whose fault it is. It also covers the medical expenses incurred by a passenger on a motor bike. However, the coverage limit is up to the value of the policy limit.
  • Property Damage Coverage: This coverage provides financial protection in the form of repairs or replacement of the motor bike or other vehicle involved to a motorcyclist who is at fault. However, it is important to note that this form of insurance does not provide coverage for damage to one’s own bike.
  • Underinsured/Uninsured Coverage: If the driver responsible for a motorcycle accident is uninsured or does not have a sufficient amount of coverage to cover expenses, the uninsured/underinsured coverage will offer due protection. This form of insurance covers expenses related to loss of wages and medical treatment due to an accident with an uninsured/underinsured individual.
  • Roadside Assistance: This coverage provides assistance if a motorcycle malfunctions while on the road. It covers the expenses of towing the bike to the nearest point of repair and labor costs involved. Those with roadside assistance coverage receive swift professional assistance when stranded on the road due to a breakdown. The insurance company ensures your motorbike is safely towed to a repair facility nearby and you are provided with an alternate mode of transport.
  • Custom Parts and Equipment: If you own a bike with unique parts and accessories, this coverage ensures those parts are replaced in case of an accident. The insurance company sets a limit on the amount of coverage it can provide for the damaged/lost parts and any amount exceeding this limit is the owner’s responsibility
Call Shawn Camp Insurance Agency, Inc. for motorcycle insurance in Killeen at (254) 526 – 0535.

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Motorcycle Insurance Coverage Options

by Administrator 24. September 2021 06:20

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Steps To Follow When Buying Motorcycle Insurance In Killeen

by Administrator 19. January 2021 09:14

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Motorcycle Insurance Requirements In Texas

by Administrator 27. October 2020 08:37

If you drive a motorcycle in Texas, it is mandatory for you to get it insured in order to protect yourself and others. Minimum liability insurance is must to cover any damage that might ensue as a result of an accident whereby you cause damage to another and also to cover any damage to your motorcycle.

Listed below are the requirements to be fulfilled for motorcycle insurance in Texas:

1.  Minimum Amount: The minimum amount of insurance required for motorcycle insurance in Texas is:

  • $30,000 for bodily injury per person
  • $60,000 for bodily injury per accident
  • $25,000 for damage to property
  • For additional safety on the road, you can get additional coverage (Personal Injury Protection, Uninsured/Underinsured Protection, Collision Coverage and Comprehensive Coverage)
2.  Repercussions Of Not Getting Motorcycle Insurance: The Law Enforcement and Department of Transportation can verify your insurance status. On discovering lack of insurance, penalties in the form of motorcycle impoundment, fines and license suspension may be imposed.

3.  Lapse Of Insurance: In case your motorcycle insurance lapses, the Texas Department of Transportation will issue a notice stating the options you can avail or suspend your license. If issued a suspension notice, you have a choice to appeal against it. A license can be suspended in the absence of minimum liability insurance but can be lifted on the payment of reinstatement fees and by proving current liability coverage.

4.  Consult An Attorney: In case you get involved in a motorcycle accident, it is advisable to get in touch with an experienced and reliable attorney in Texas who deals with motorcycle insurance. An attorney will help to investigate the accident scene, gather evidence, identify parties involved in the accident and help you to get full compensation for the damages caused.

5.  Speak With An Agent: If you are looking for the right motorcycle insurance in Texas, consult an insurance agent for advice on the kind of insurance you should go for. Look for an insurance package that covers liability insurance and additional coverage for the protection of your motorcycle, your passengers and yourself.

Shawn Camp Insurance Agency, Inc. offers a complete range of motorcycle insurance coverage to its clients in Killeen, TX. The agents help their clients in understanding the insurance requirements to help them choose suitable insurance coverage. For more details on motorcycle insurance requirements in Texas, visit 2705 E. Stan Schlueter Loop, Suite 101 Killeen, TX – 76542. You can also call at (254) 526 – 0535.

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Essential Tips To Reduce Motorcycle Insurance Premium

by Administrator 27. July 2020 08:17

Motorcycle insurance provides coverage against numerous risks involved while the vehicle is either parked or plying on the road. In order to avail of the risk coverage, the insured has to pay an amount to the insurer. This amount is known as the ‘Insurance Premium’.

Premium is calculated based on a number of personal, geographical, types of coverage, and other variable factors. However, there are some tips that can help in reducing the motorcycle insurance premium:

  • Driving Record: A driver’s record is one of the important factors considered by the insurance company for calculating the premium amount. It helps the insurer in calculating the risk involved based on the number of tickets, accidents, etc. So, maintaining a clean driving record can help in lowering premium costs as the insurance company considers a safe driver as less of a liability.
  • Discounts: Motorcycle insurance providers offer a variety of discounts to their customers based on different factors such as age, gender, etc. It is always worthy to ask the insurance agent if one is eligible for a discount as this can considerably lower the insurance premium.
  • Add-On Equipment: Security risk is one of the main considering factors behind premium cost calculations. Adding security-enhancing equipment to the motorcycle such as an anti-theft alarm reduces the risk factor attached to the vehicle. This makes the vehicle less of a liability for the insurance provider resulting in reduced premium cost.
  • Claims History: It is advisable to file a claim only in case of a major accident or major damage. Avoid filing claims for minor damages as this will add on to the claims history and will be considered to be a risk factor by the insurance provider. Additionally, filing for unwanted claims nullifies an individual’s eligibility for the ‘No Claims’ discount.
  • Deductible: It is the amount that an insured person has to pay in case of any damage before the insurance provider starts to cover the losses. Signing up for a higher deductible lowers the premium amount and vice versa. However, the deductible should be chosen wisely based on the financial situation.
  • Timely Renewal: Renewing an insurance plan before the due date can also help in lowering the insurance premium.  Some insurance providers may offer a grace period for renewal. If insurance plan lapses, an individual may miss out on a variety of renewal benefits.

Shawn Camp Insurance Agency, Inc. offers a complete range of motorcycle insurance coverage options at an affordable price to its clients in Killeen, TX. The clients can either choose from the available coverage options or get a personalized insurance plan as per their requirements. For more details on ways to reduce motorcycle insurance premium, visit 2705 E. Stan Schlueter Loop, Suite 101 Killeen, TX – 76542. You can also call at (254) 526 – 0535.

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Motorcycle Insurance Coverage For First Time Riders

by Administrator 25. February 2020 12:25

An important part of owning a motorcycle is to get it insured in order to cover the costs incurred due to accidents and other perils. When shopping for motorcycle insurance that will protect you, your passengers and your motorcycle, you should look for one that meets your financial and personal requirements.

If you are a first-time rider, given below are some points worth knowing about motorcycle insurance:

  • Requirements: The first step is to be aware of your state’s requirements regarding motorcycle insurance. Most states require motorcycle owners to purchase minimum liability coverage. It is however recommended to purchase more than the minimum requirements of a state in order to cover legal claims and costs too.
  • Coverage Options: Motorcycle insurance provides liability coverage, underinsured/uninsured motorist coverage, collision and comprehensive coverage, medical payments, custom parts and equipment coverage, and roadside assistance coverage.
  • Discounts: Every insurance company has its own rules and regulations pertaining to discounts. However, there are some common factors that can entitle a motorcycle owner to discounts. Some ways of earning discounts are, buying another form of insurance from the same insurance provider, being a part of a motorcycle riders organization, a clean driving record, completing a safety training course for motorcycle riders, getting more than one motorcycle insured from the same agency and asking for a discount on the basis of being a mature rider (above 55 years).
  • Destroyed/Stolen Bikes: If your bike is destroyed or stolen, there are three ways in which you can be provided compensation. These are on the basis of the stated amount (amount selected at the time of purchasing the policy), actual cash value (motorcycle's cash value minus deductible and depreciation) and the agreed value (an amount that you and the company agreed upon).

Shawn Camp Insurance Agency, Inc. provides motorcycle insurance for first-time riders. Buyers can choose from coverage types including liability coverage, medical payments, roadside assistance, underinsured/uninsured motorist coverage, collision and comprehensive coverage, etc. To know more about motorcycle insurance coverage for first-time riders, visit 2705 E. Stan Schlueter Loop, Suite 101, Killeen, TX – 76542. You can also call at (254) 526 - 0535.

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