by Administrator
19. August 2015 07:34
Getting your motorcycle insured is necessary to mitigate the risks and costs that may occur in case of accidents or breakdowns. It is even mandated by the law and it is illegal to drive a motorcycle without a comprehensive insurance. However, it is necessary to choose the appropriate coverage to make sure you are fully protected from any unanticipated losses.
Following points will assist in choosing the right motorcycle insurance coverage:
- Liability Insurance: If you are responsible for causing any injury/harm to a third person or any property, then liability insurance will help to cover those damages. Some policies may also offer guest coverage which is meant for the pillion rider that may be present on your vehicle.
- Collision Coverage: In case of an accident, irrespective of who is at fault, the collision coverage will pay for the repair costs of your motorcycle.
- Comprehensive Package: This coverage option helps in protecting your motorcycle from non-accident related occurrences like theft, fire or vandalism.
- Uninsured or Underinsured Motorist Coverage: If the person who caused you injury is either uninsured or underinsured and cannot match the extent of your expenses, this policy will cover your damages.
- Parts and Equipment: Normally if you have collision or comprehensive package, some part of equipment replacement is already covered. However, you can also opt for a separate coverage under which costlier parts will also be insured against damage. Make sure you ask your insurance agency about this.
- Road Side Assistance: In the event of an unexpected breakdown of your motorcycle, your vehicle will be towed to the nearest service station for repair. You should check if labor costs are included in this policy or not.
- Medical Bills Coverage: In case there is a need for any medical assistance after a collision, this coverage will help to pay the hospital bills, subject to the limit of your insurance policy
- Look for a Discount: Since there are many motorcycle insurance policies available, it is important to compare all of them and choose the one that offers best discounts and offers.
- Additional Benefits: You should also ask your insurance agency about any other benefits that they would offer on your motorcycle insurance.
We, at Shawn Camp Insurance Agency, Inc., provide comprehensive motorcycle insurance in Killeen, TX. For more information, you can call us at (254) 526 – 0535 or visit our office at 2705 E. Stan Schlueter Loop, Suite 101, Killeen, Texas 76542.
