Whether you own a single motorcycle or a fleet of them, whether you use them occasionally or every day, you must have an insurance coverage for them. Motorcycle insurance protects you against financial losses emanating from unforeseen circumstances such as accidents, theft, loss or damage. Again, it’s against the law to ride a motorcycle on Indiana roads without insurance. The premium you’ll pay towards an insurance policy depends on factors such as riding history, type of motorcycle, security levels of where you store your bike, usage, etc. There are many different motorcycle coverage options offered by Kevin Dennis Insurance Agency in Mishawaka, IN. They include:
Covers damages caused to your motorcycle that are not due to a collision. This includes damages due to falling objects, vandalism, floods, fire, storms, and wind. You are covered for all repairs as long as they don’t exceed the actual cash value of the motorcycle.
This covers physical damages due to a collision. When your motorcycle hits or is hit by another motorcycle, object, or vehicle.
Liability coverage covers bodily injuries and property damages caused when you are at fault in an accident. Bodily injury liability covers expenses towards an injured person by paying for medical expenses, lost wages or death. Property damage liability covers damages towards someone’s property.
Uninsured or Underinsured Coverage
Uninsured or underinsured coverage covers your injuries and those of your passengers if you get into a no-fault accident with a driver who doesn’t have liability insurance or insufficient insurance. This coverage will also protect you against hit-and-run accidents.
These coverage options vary from one state to another. In Mishawaka, IN, finding an expert agent in motorcycle insurance will help you understand the different coverage options and how well they will work for you. At Kevin Dennis Insurance Agency, we strive to help you with all your motorcycle insurance needs. Contact us today for more information about our products and services, or if you need a quote.