Properly Protecting Your Motorcycle

Motorcycle Coverage Options

Buying a new motorcycle is one of the best ways to enjoy the open road. However, before you drive off the lot, there is a lot to consider, including your insurance coverage. Make sure you know the answer to these common motorcycle insurance questions to ensure that you are able to have the coverage that you deserve.

  • What is required? Each state has different requirements when it comes to how much motorcycle insurance you need. In Minnesota, you are required to have liability insurance, as well as underinsured motorist and uninsured motorist coverage.
  • Is replacement cost coverage an option? Depending on which insurance company you go with, you may be able to choose replacement cost coverage. However, most insurance companies will only offer comprehensive and collision coverage for the “book value” of your bike.
  • Will liability cover guest passenger liability coverage? If you are found to be at fault for an accident, your guest passenger liability will help to cover the cost of any medical bills that your passenger incurs after the accident.
  • Are custom parts covered? If you add on any after-market accessories to your bike, you will need to invest in additional coverage to properly protect them. Since standard coverage will only protect up to the actual value of the bike, any additional parts that you add onto the bike will be left uncovered.
  • Is roadside assistance an option? If you break down on the side of the road, roadside assistance coverage will pay to tow your bike to the nearest repair shop to get you back on the road as soon as possible.

To ensure that you have the right amount of motorcycle insurance coverage, contact Mayer Insurance in Apple Valley, Minnesota. We will work with you to make sure that you have the protection that you deserve, all at the right price.