Choosing insurance coverage is like selecting the right bike. It should fit the rider’s lifestyle and needs, but be budget-friendly. Most areas require riders to have liability insurance, but other coverage types are typically optional. An insurance agent can tell riders which rules apply. To find the best Motorcycle Insurance in Wichita KS, riders should learn more about their options.
Liability Insurance
With liability insurance, riders are covered from property damage and bodily injury caused to others during an accident. However, the rider nor the bike are covered. Riders should determine whether their motorcycle insurance policy covers guest passengers’ liability. This coverage protects the rider if a passenger is injured in an accident. The inclusion of this coverage depends on state law and the company that issues the policy.
Collision
Collision coverage pays for damage to a motorcycle involved in an accident. The rider’s insurance company pays for damages occurring when a motorcycle strikes an object or another vehicle. Collision Motorcycle Insurance in Wichita KS typically covers the bike’s book value before the accident, minus a deductible.
Comprehensive
A comprehensive policy from the Andy Woodward Insurance Agency pays for damage from events other than collisions, such as vandalism, theft or fire. The insurer pays for damages up to the bike’s book value, minus the deductible. Most collision and comprehensive coverages only pays for factory parts; if the rider adds aftermarket accessories, they should consider purchasing optional equipment insurance.
Underinsured Motorist Insurance
Under- and uninsured motorist insurance covers damage caused by drivers who lack sufficient coverage, or who have none at all. This type of coverage pays for lost wages, medical bills and other economic damages. Some policies include property damage and some do not; check with a local insurance agent to determine the level of coverage.
Budget-Friendly Tips
Numerous factors determine a person’s insurance premiums. The rider’s age, driving record, location and motorcycle type all affect cost, but there are ways riders can save.
*The rider can take an MSF-approved training course to save up to 15% or more.
*Maintain a clean driving record.
*Consider a “lay-up” policy, which suspends non-essential coverage during the winter.
The most important savings tip is simple: choose the company that’s right for the rider. Those who already have car insurance may be able to bundle their auto and Motorcycle Insurance in Wichita KS, and family or coworkers can also provide recommendations.
