Questions To Ask Before Buying Car Insurance

by Administrator 28. March 2017 05:05

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What Does Renters Insurance Cover

by Administrator 21. March 2017 14:39

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Questions To Ask When Purchasing Motorcycle Insurance

by Administrator 15. March 2017 12:24

It is essential to buy appropriate motorcycle insurance to protect yourself and your bike in case of an unfortunate accident. However, you need to clearly understand about all the inclusions in your policy so that you know what to do in case you need to make a claim. Customize your motorcycle insurance policy to get the maximum benefits out of it. Below is a list of certain questions you need to ask when purchasing motorcycle insurance:

What is the minimum coverage required? : Every state has different requirements when it comes to minimum coverage for your motorcycle. Learn about the least liability coverage that you will require and then proceed on to have additional coverage based on your individual situation. For instance, if you have expensive gear or bike accessories you would want to insure them separately.

How much insurance do I need? : You can opt for different types of motorcycle insurance such as: collision coverage, comprehensive coverage, underinsured coverage etc. You need to be sure about what more you require apart from the basic coverage. For e.g.: collision and comprehensive coverage is necessary to provide financial protection in case your motorcycle gets damaged in accident, fire, theft etc.

What all is covered? : Many motorcycle owners want to know whether the safety gear, custom parts and other motorcycle accessories are covered under their regular insurance policy. However, you need to know that standard coverage might or might not provide coverage for custom parts. You need additional coverage depending on what all you want to get insured. Get in touch with your insurance provider to know the details of your policy.

Am I eligible for insurance discounts? : Ask your insurance provider if you are eligible for any kind of discounts in your insurance policy. While some insurance providers give discount to motorcyclists who have done a safety course, others might give you concession based on your good driving record.

Can I get replacement cost coverage? : Again, you need to confirm this from your insurance provider as this depends on your policy. Although comprehensive and collision coverage provides financial protection in case your bike gets damaged, but you can get replacement cost coverage on some models if your bike is less than a year old.

Can I get roadside assistance? : Your insurance policy might provide roadside assistance coverage for an unforeseen circumstance. Under this type of coverage, your bike will be towed to a repair shop in case it gets damaged on the road due to any reason. You can also get some other basic emergency services included in this type of coverage. Moreover, trip interruption benefits are also provided by certain insurance providers.

We, at Shawn Camp Insurance Agency, Inc., offer comprehensive motorcycle insurance to the residents of Killeen, TX. For more information, call us at (254) 526 - 0535 or visit our office at 2705 E. Stan Schlueter Loop, Suite 101, Killeen, Texas 76542.

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