by Administrator
14. March 2016 11:01
Motorcycles are expensive and must be protected against harm. While on the road, there may be many things that can go wrong with the vehicle. Insurance gives a sense of security and guarantee in case the motorcycle is damaged in an accident or requires repairs. It is best to insure against all eventualities so one does not get burdened with financial liabilities in case of a mishap. Motorcycle insurance is also like auto insurance where there will be a set limit up to which the company will pay and the rest will have to be paid by the owner.
- Claims: When involved in an accident or breakdown, it is advised to immediately get in touch with the insurance agent. He will come and assess the situation to determine the liability accrued to the policy holder.
- How much is enough: Based on the make and usage of the bike, one may decide on what type of insurance policy one would like to take. There could be a standard policy and if the bike is premium, one may customize the policy to include features suited to their needs.
- Personal injury coverage: This insurance pays for any bodily harm caused to the rider while riding the bike.
- Property damage liability coverage: If the bike causes any harm to someone else’s vehicle, property or other structures, this cover will help to pay for those damages.
- Collision cover: If the bike is involved in any sort of collision with another vehicle, pole or divider, this cover will pay for damages caused to the motorcycle.
- Medical Payments: All hospital bills, doctor fees get covered under this. One may take this for personal claim or for the injury caused by the vehicle to pillion rider or third party.
- Theft and Vandalism cover: This helps if you frequently use your bike for trips where it may have to be parked at unknown locations.
- Customized parts: This covers damage or repair of any customized parts in the bike like GPS system, accessory socket etc.
- Roadside assistance: In case of breakdown of the bike, roadside assistance helps in towing and repair of the vehicle.
It is recommended to consult an insurance agent and work out the best policy according to your individual needs. He will help you to compare policies and evaluate the discounts offered by various carriers before signing a policy.
We, at Shawn Camp Insurance Agency, Inc., can help you find suitable motorcycle insurance in Killeen, TX. For more information, you can call us at (254) 526 – 0535.
