It may sound obvious, but anyone who owns a motorcycle needs motorcycle insurance. Aside from the fact that it is illegal to operate a motorcycle on a California highway without insurance, operating a motorcycle without any insurance is leaving yourself vulnerable to paying out of pocket for thousands of dollar in expenses. It is much safer to operate your motorcycle when you protect yourself with quality motorcycle insurance.
Motorcycle insurance policies generally cover:
- Property damage and bodily injury liabilities
- Uninsured Motorist
- Medical bills
- Collision and comprehensive insurance options
Naturally, there are additional coverage options known as specialized insurance option. These can include coverage for total loss replacement, accessory coverage, rental vehicle coverage, transport trailer coverage, and roadside assistance and other emergency service.
Motorcycle Insurance and You!
Investing in a proper motorcycle insurance plan is considered invaluable. Motorcycle insurance is a completely separate insurance policy, when compared to car insurance. You can’t actually use car insurance to cover your motorcycle, because motorcycles and other recreational vehicles are considered to have specialized needs different from those of a standard car.
The standard motorcycle insurance policy will usually cover minor to sever accidents; along with assisting in paying those expensive repair and hospital bills in the event that you are found to be at fault for the collision. When you are operating your motorcycle, it is important to have the piece of mind that you have a good policy to back you up in the event of a collision. A good policy will have benefits such as:
- Immediate coverage for damages to your motorcycle
- Immediate coverage for personal injury
You wouldn’t operate your car without car insurance and as we found out last week, we wouldn’t operate our RV without the proper RV insurance. So why would you operate your motorcycle without proper motorcycle insurance? You wouldn’t! Whether your motorcycle is your daily commuter or a luxury vehicle, Mertens Insurance can work with you on a policy that will fit your specific needs.