Motorcycle Insurance Quote Forms
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Motorcycle Insurance Information
Motorcycle owners use their bikes in various ways, and motorcycle insurance coverage can often be tailored to each rider’s unique situation. With the number of options available, it can be tricky to select the right policy, but the experienced agents at 1st American Insurance Agency can help navigate this process.
What Does Motorcycle Insurance Cover?
Motorcycle insurance policies can be written with various coverages. They typically include liability insurance, which covers bodily injury and property damage to third parties when the motorcycle owner is at fault. They may also include:
Comprehensive coverage—This provides repair or replacement cost if the motorcycle is damaged or lost due to an event other than a collision. Examples of events that may fall under this coverage include theft, vandalism or fire.
Guest passenger liability insurance—If a guest passenger is injured during an accident when the motorcycle driver is at fault, this coverage may help pay for the passenger’s medical costs.
Medical payments coverage—This may help pay for the motorcycle driver’s and passenger’s medical expenses after an accident, regardless of who was at fault.
Uninsured/underinsured motorist insurance—This may provide coverage if the insured motorcycle is in an accident caused by another driver who was uninsured or underinsured.
Other coverages may be added to a policy, including:
The above examples are not all-inclusive, and there might be other protections owners can receive through motorcycle insurance. Contact 1st American Insurance Agency for more details.
Does Motorcycle Insurance Cover Three-Wheeled Motorcycles, Scooters, Mopeds and Sidecars?
Typically, motorcycle insurance can be written to cover three-wheeled motorcycles (trikes), scooters and mopeds. An owner may also secure a policy that covers a motorcycle sidecar. Speak to your 1st American Insurance Agency agent to learn more.
Does Motorcycle Insurance Cover All Uses?
Certain motorcycle uses may not be covered under a standard policy. For example, using the bike for a commercial purpose or in competition may be excluded. An insurance agent can help provide specific details regarding covered uses.
What Does Motorcycle Insurance Cost?
Motorcycle insurance costs vary depending on a variety of factors, including the owner’s age, driving record and location. The bike’s style, value, age, mileage and use may also affect the premiums. Your agent can help you understand your policy’s premium and discuss any applicable discounts you may be eligible to receive.
Contact Us Today!
When it comes to motorcycle insurance, there are several options. The agents at 1st American Insurance Agency are available to discuss different plans and price points. Contact us today or visit our website at www.1stamericaninsurance.com for more information or to request a quote.