Motorcycle Insurance Articles
Do You Need Collision Insurance On Your Motorbike
2010-03-12
One of the most thrilling experiences of your life can be riding a motorcycle you own. What is not quite so exciting is the motorcycle insurance that you must get when you own one. When you get a Motorcycle Insurance Quote you need to figure out what the riders and claims are that you need to look out for and include in your policy? Essentially the motorcycle insurance premium should be covered under two main heads. The first one is for protecting yourself as the driver and any back seat riders that you may take along for a ride. The second head is for protecting the motorcycle that you are riding. Now let's see what all is covered under both these heads.
Your motorcycle insurance premium must include the liability payments that you may have to make and the medical claims that you may wish to file for. And there is also the uninsured or under insured rider for those who have little or no insurance but get in a crash with you. These will be covered in the first heading as your own protection. Now what should you consider in a motorcycle insurance quote for the second head of protecting your motorcycle? You need motorcycle collision coverage. In the event that you are in a collision and need to make repairs on the motorcycle or even replace some parts you can do so using this rider. Although, if you are not at fault you may not have to pay for the repairs out of your own motorcycle insurance.
The person at fault will bear the cost through his motorcycle collision coverage in his motorcycle insurance. At times the process may get delayed and you can use the money from your own insurance policy to make the repairs and pay them off once the settlement is done. Another thing that you must remember is that this will only cover the basic working motorcycle, so if you want to replace your accessories and other attachments then you need to get added equipment coverage. This will again push up your motorcycle insurance premium. So do consider what is essential and what you can do without.
Choose the correct riders and motorcycle insurance just as carefully as you would have once chosen the motorcycle that you ride. Remember that the initial motorcycle insurance quote can be tweaked and brought around to one that is far more compatible with your use of the motorcycle. Also do not think that you can do without some rider just because you do not see yourself riding that rashly. When an accident happens you have no idea what the circumstances will be like. So getting collision insurance on your motorcycle is an absolute must.