Motorcycle Insurance Articles
Warning Signs That A Cheap Motorcycle Insurance Policy Has Poor Coverage
2012-02-02
Auto insurance has been on the rise for some time now and unfortunately, this also includes motorcycles. While motorcycle insurance may be cheaper than insurance for a car, they still need to be able to cover the rider completely in order to protect themselves in case of an accident. Because the cost of auto insurance has been so high lately, many people have gone to unknown, sometimes obscure insurance companies in order to obtain a policy. For them, as long as they have coverage and the state is satisfied, they are ready to hit the open road. However, cheap motorcycle insurance is sometimes cheap for a reason. Some motorcycle insurance companies seem a bit shady, and if they do, chances are that the policy they sign over to a rider is not going to be worth the paper it was written on. There are some warning signs that a cheap motorcycle insurance policy doesn't provide the coverage a rider needs to be safe.
A lot of motorcycle insurance companies put their business online or runs their business solely online. This makes it difficult to discover whether or not they are legit and the policies they offer are legit as well. One of the best ways to possibly find out about a policy before a rider even hits the road is to ask questions. A credible insurance company will be able to answer the questions quickly and honestly and possibly have some statistics or facts to back up their answers. Ask questions about what happens after a motorcycle gets into a fender bender. Will an insurance rep show up to the scene or investigate the accident? Will a replacement motorcycle be part of that plan, or at least a rental until the motorcycle can be fixed?
These types of questions should apply to more than simple fender benders, but if they don't apply to something as small as that, which can involve only scratches, they may not be legit. It's also important to find out about personal injuries during those accidents. Typically, a health insurance policy will cover injuries, but sometimes motorcycle insurance companies do, especially because accident rates are so high for riders. Individuals need to be completely covered, and personal injury coverage will signify a good policy, while no personal injury options means the coverage is poor.
Communication is another big issue with many insurance companies. If an individual has discovered that it is extremely difficult to get in contact with a representative, this can be a big warning sign. The insurance company should be available most times of the day, especially since accidents don't have schedules. Make sure there is open communication with them.