As a motorcyclist, you are required by law to have insurance. Your motorcycle insurance is going to protect both you and your motorcycle in the case of an accident, along with other drivers who share the road.
A basic motorcycle insurance plan contains bodily injury, property damage, comprehensive and collision coverage. These are all important and necessary coverages to have with your motorcycle insurance plan. However, just because you have these coverages, does not mean that you are covered for everything that could possibly happen to you or your motorcycle. This is why you should consider these three specialized coverages to add onto your plan.
- Accessory Coverage: If you are someone who enjoys accessorizing your motorcycle, you should consider this coverage. When you are customizing your bike, it is important to calculate the total amount of value for these items to ensure that you receive the proper amount of coverage, which is usually between $1,000 and $3,000 dollars.
- Rental Vehicle Coverage: Rental coverage is usually included with your motorcycle insurance under comprehensive coverage. However, in some cases it may not be. In this case, you should be sure that you speak with your independent insurance agent to determine whether or not you will need to purchase this coverage as a specialized type. Having this coverage is important because if your motorcycle is in the repair shop for a number of days, you will be able to receive a rental vehicle or bike from your insurance company at little to no cost.
- Towing Coverage: Towing coverage is important to have, especially if you need to be towed a long distance. Your insurance company can help cover the costs so that you are not spending a huge amount on these necessary services should you have broken down on the side of the road or been involved in an accident.
Insurance for your motorcycle is extremely important. This is going to ensure that you are provided with some financial relief in the case of an emergency. So be sure that you speak with your insurance agent and determine what specialized coverages are right for you.
We’ve got you covered. Call Budget Insurance Agency at 478-788-9188 for more information on Atlanta motorcycle insurance.