Motorcycle Insurance
Why do you need insurance for your motorcycle?
There is nothing more enjoyable then riding out on the open road. You'll enjoy it even more when you're not worried about the safety of yourself, your passengers or your investment. Here are a few things to consider:
- If you're in an accident or your motorcycle is stolen, it costs money, often a lot of money, to fix or replace it.
- If you or a passenger is injured in an accident, medical costs can be very expensive
- If your motorcycle is responsible for damage or injury to others, you may be sued for much more than you're worth.
Your motorcycle may very well be one of your most prized possessions. It deserves special protection just like the other assets you own.
Here are a few things to consider and questions to ask your agent:
Your Independent Agent is an advocate for finding insurance that meets your specific needs. Here are some things to really consider as you prepare for the discussion:
- How much can I afford to pay if my motorcycle is in an accident, damaged or stolen? (Ask your agent what your cost savings would be if you raised your deductible.)
- What discounts and programs are available? (Ask about discounts for taking safety classes or having multiple policies. You may also save money if your motorcycle is stored in a garage or if you belong to a motorcycle association.)
- How much medical and liability coverage should I have?
- Does the insurance company have a good reputation for customer service? Is it known for paying claims fairly and promptly?
- What's the process for filing and settling a claim?
- Asking the right questions can help your independent agent select the best policy to meet your individual needs. At Lohman and Lohman, we have access to dozens of insurance carriers to make sure you get the right coverage and the right price for your specific motorcycle insurance needs.
If you are familiar with the basics of automobile insurance, then you may already know more than you think about motorcycle insurance. If you ride a motorcycle on public roadways, you'll need the same basics as your automobile insurance: liability, collision, comprehensive, and uninsured/underinsured motorist coverage.
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