Motorcycle Insurance In Killeen, TX

by Administrator 11. March 2015 08:19

Motorcycle accidents can cause injury to self and others along with damage to the motorcycle. Thus in order to protect yourself and your vehicle you must buy motorcycle insurance. Your insurance policy cover will offer you financial assistance in case of an accident.

Why motorcycle insurance is important?

  • Legal Requirement: Motorcycle insurance is a legal requirement and riding a bike without valid insurance is a traffic offence. This can lead to huge fines, penalty points and legal actions. In extreme cases it can also lead to cancellation of your driving license.
  • Protects Financially: With insurance, you can be rest assured that in case of an accident, basic third party cover will compensate for property damage and medical bills. Due to lack of insurance, you will have to bear the financial responsibility of the losses solely. However if you have third party fire and theft protection cover, then your insurance company will compensate you for repairs. This enhances your protection cover. You can invest in comprehensive motorcycle insurance to cover your bike against accidental damages, theft, fire and any legal claims.
  • Enhances Security: Insurance plans with added features increase your security and safety. Such covers include breakdown covers, legal expenses coverage and personal accident protection. You can get customized plan to insure your motorcycle.

A number of insurance companies offer competitive motorcycle insurance policies. Thus in order to derive maximum benefits at the most affordable prices; you should always compare the policies. You should ask certain questions to the agent to understand all the aspects of the policy and the way it affects your case.

Questions that you should ask an insurance agent before buying motorcycle insurance

  • Inquire about the cash value of your motorcycle, as it decides how much compensation you will receive if your bike is damaged in an accident.
  • Ask insurance provider how they calculate the cash value
  • Ask how your motorcycle is classified, as the high performance bikes or high-speed bikes are expensive and come with high insurance premiums.
  • You should enquire about any available discounts
  • Inquire if doing any training course will lower your insurance rates
  • Confirm what forms of coverage are compulsory.
  • Ask the agent about optional coverage, which may include comprehensive, collision, etc.
  • Inquire about how much insurance you need and how can you get the best rates
  • Ask whether any club membership can reduce the rates or not
  • What is the procedure for making claim

By getting answers to these questions, you can have better understanding of your motorcycle insurance policy.

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