Motorcycle Insurance: Coverage and Customization Options

Motorcycles allow you to feel relaxed and give you a feeling of excitement and freedom. However, similar to standard automobiles, motorcycles need to be covered by insurance. In fact, most states require a minimum amount of insurance if you are driving it on the road. If you plan to own a motorcycle in Marietta, GA, it can help to work with an agent at LG Insurance Group to ensure you understand the different motorcycle insurance coverage options.

What Does Motorcycle Insurance Cover?

Liability coverage will protect bikers in the event they are in a collision they are deemed at fault for. This policy will pay for property damage, bodily injuries, as well as legal fees if sued—all up to the set limit of the policy.

Comprehensive coverage will protect bikers in the event of a non-collision event that is not their fault, such as weather damage, fire, vandalism, and theft. This coverage will sometimes even cover accessories if they are stolen, but you will want to check with your agent to ensure your policy extends to the accessories before assuming.

What Motorcycle Insurance Customization Options Are There?

There are some insurance policies that will cover the full replacement of the bike in the event it is totaled. Some motorcyclists like to add an injury policy, which will cover extended medical care costs. Then, of course, there is underinsured/uninsured motorist protection to protect motorcyclists when involved in an accident with someone else who does not have the proper insurance.

Since bikers like to add aftermarket parts of their motorcycles, such as custom exhaust, you may want to consider checking into an additional policy to cover these items in the event they are lost or damaged.

With the proper motorcycle insurance, you can rest easy as you enjoy the wind in your hair knowing you are sufficiently protected. For years, LG Insurance Group has been helping Marietta, GA residents like you obtain the motorcycle insurance they need. Contact us today to schedule an appointment.