Motorcycle Insurance Articles
What Will Motorbike Insurance Cover In The Event Of An Accident
2010-03-17
Looking for motorcycle insurance can become confusing; you want to make sure you covered while on the bike and a motorcycle accident claim is actually paid for by the insurance company. There are some items, according to Allstate insurance, that are covered in the case of being in an accident. The motorcycle insurance premium may be a little higher on a motorcycle, but making sure that you and your passengers, as well as other people possibly involved in the accident, are covered is extremely important. Remember, your driving record does affect your motorcycle insurance premium as well--the two go hand in hand. When receiving a motorcycle insurance quote, making sure that these items are covered should be looked at closely.
According to Allstate Insurance, additional parts and upgrades can and need to be covered by the motorcycle insurance premium. The upgrades make the bike more valuable and give the bike more coverage in case of an accident. Also, if there has been a motorcycle accident claim the insurance will cover the rental of a car, but not a bike, until the other bike is fixed or replaced. If you have been with a company, such as Allstate, for more than four years, your rates will not increase because of an accident. You and your bike are also covered if someone else wrecks your bike or has an accident -- the insurance coverage will pay to repair or replace your bike.
When receiving a motorcycle insurance quote make sure that you and any passengers are covered as well. Motorcycle insurance will cover other people involved in an accident, as well as making sure that you are covered in case the other motorist is uninsured. Your bike will be covered in these cases, especially with an uninsured vehicle. Furthermore, you will be covered with your motorcycle insurance premium when you are in another state and even while you are in areas like Mexico and Canada. Any accident that may occur there is still covered while you are not within your coverage state. However, you will need a 12 month policy, even if you do not ride all 12 months of the year. All policies are for 12 month increments, but this means that your bike is always covered. Lastly, there are discounts and coverage policies for multiple bike ownership. Discounts can be upwards of 35% and cover all bikes and you will still receive the same coverage as listed above in case of an accident.
No matter what company is used for motorcycle insurance, making sure you are well covered is important. Accidents, other drivers and uninsured motorists are all important parts of an insurance premium and is worth having.