Whether an experienced motorcyclist or a first-time rider, it is important to protect the bike with motorcycle insurance in Wichita KS. From covering accident damage to offering uninsured motorist coverage, the points listed here to state how motorcycle insurance can protect the rider and his or her investment.
Protection from Liability
If the rider is held liable for property damage or bodily injury in an accident, the insurance policy will offer protection via liability coverage. This insurance doesn’t cover the motorcycle or the rider but depending on the policy; it may cover passengers. To be sure, the rider should consult an insurance agent with coverage questions.
Collision Insurance
Along with liability protection, riders should have coverage for crash-related motorcycle damage. According to the III, hundreds of thousands of motorcycle crashes occur each year. With the cost of a motorcycle exceeding $10,000 in many cases, an accident can leave a rider in a financial bind. A motorcycle insurance policy can offer a sense of reassurance, with the knowledge that collision damage is covered.
Comprehensive Coverage
Accidents are not the only way to damage a motorcycle. Vandalism, fire and theft are among many damaging perils, which is why it is important to have a policy that includes comprehensive coverage. While motorcycle theft is declining, thousands of bikes are stolen each year-;making this coverage particularly important.
Flexible, Affordable Coverage
Where rate calculations are concerned, many factors play a part, including the rider’s age, driving record, residence, mileage, deductible, and whether the rider has taken a motorcycle safety course. Depending on the rider’s needs, most companies will customize a policy with the right amount and type of coverage.
When it is time to buy motorcycle insurance in Wichita KS, there are multiple factors to account for, and a local insurance agent can help the rider find the right policy for his or her needs. An agent can assess the rider’s requirements, explain available coverage options, make recommendations on deductibles and coverage limits, and ensure that the rider doesn’t miss any discounts for which they are eligible. Browse our website to get a quote or to schedule a consultation with a local insurance agent.
