If you own a high-end motorcycle in Collierville, TN, you may wonder if a regular motorcycle insurance policy will give you the protection you need to insure your bike adequately, but it may not. You may need to consider additional provisions to ensure your bike’s structure and safety are adequately insured. Brock and Poole Insurance Agency can provide you with the correct information on what you need to insure that shiny new bike.
The High-End Motorcycle Difference
Standard motorcycle insurance is similar to auto insurance because your premiums will vary according to the bike you purchase. Cruiser bikes are usually larger and have higher horsepower. To adequately protect your motorcycle, you should consider getting the most coverage you can afford for collision, comprehensive, and uninsured/underinsured motorists. The more expensive your bike, the more expensive it will be to repair or replace it if you are in an accident or if another mishap damages it when you are not using it. Buying a higher amount of uninsured/underinsured motorist coverage is also a good idea, as this portion of your policy will pay for repairs if a motorist with inadequate insurance or none at all is at fault in an accident that damages your motorcycle.
Other Considerations for Coverage
Larger, high-end bikes frequently have the ability to carry a passenger. If you will ride frequently with a passenger, consider getting medical coverage for passengers. Without such coverage, your passenger could sue you if they sustain catastrophic injuries in a collision.
If your bike has customized parts, a regular insurance policy won’t cover damage to those areas. Consider adding an endorsement that describes the customizations.
To learn more about protecting your high-end motorcycle best, schedule an appointment with Brock and Poole Insurance Agency, serving residents of Collierville, TN.
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