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.

Traditional motorcycle insurance policies do not cover bikes involved in timed events. They sometimes allow owners to ride their motorcycles on racetracks or at instructional events, but motorcycle insurance for racers normally comes through specialty carriers. If you need to sort out your motorcycle insurance coverage and live in or near Collierville, TN, contact our Brock and Poole Insurance Agency team to discuss how to cover yourself and your motorcycle.

Insurance for the Road and Track

Traditional motorcycle insurance is designed for street riders who comply with all relevant traffic laws. Many motorcycle policies have exclusions, meaning the insurance company does not cover damage or liability related to riding recklessly, while committing a crime, or while under the influence of alcohol or controlled substances. Standard policies also exclude racing from their coverage.

The typical racing exclusion is based on participating in a formal, timed event rather than the location. Many policies cover policyholders who participate in instructional events held at racetracks as long as they do not keep speeds or times.

Those who race motorcycles generally obtain policies from specialty carriers focusing on motorsports or collectible bikes. These insurers offer track-day policies with coverage options related to transporting the bike, damage to your bike, damage to other property, injuries to yourself and others, and numerous other options. Specialty policies are available and require detailed consideration of the options you need and those you qualify for based on your bike, driving record, and other factors.

Insuring Your Motorcycle With Brock and Poole Insurance Agency

If you live in or near Collierville, TN, call our friendly team at the Brock and Poole Insurance Agency at 901-854-9775. We can help with all your motorcycle and other insurance needs. So, call or stop by to see us today.

Protecting oneself and one’s assets is paramount, especially for motorcycle owners. If you’re a motorcycle owner in Collierville, TN, you may wonder if motorcycle insurance is required. The answer is yes.

Tennessee’s Minimum Motorcycle Insurance Requirements

In Tennessee, just like owning a car, you must have minimum liability insurance coverage for your motorcycle. This coverage includes:

• $25,000 bodily injury coverage per person
• $50,000 bodily injury coverage per accident
• $15,000 property damage coverage per accident

Proof of insurance must be carried with you while riding your motorcycle and presented if you are involved in an accident or pulled over by law enforcement. If you cannot show proof of insurance, you could face fines or even have your license suspended.

Coverage Options Beyond the Minimum Requirements

While the minimum coverage requirements will help you meet the legal needs to ride your motorcycle in Tennessee, they may not fully protect you and your assets in the event of an accident. Thankfully, at Brock and Poole Insurance Agency, we offer a range of coverage options beyond the minimum requirements, such as collision coverage, comprehensive coverage, and uninsured/underinsured motorist coverage. The additional coverage options can help provide additional financial protection in the event of an accident.

Working with a Trusted Insurance Agent

When protecting yourself and your assets while riding your motorcycle, working with a trusted insurance agent like Brock and Poole Insurance Agency is essential. Our team of experienced professionals can help you navigate the complex world of insurance and find a policy that meets your unique needs and budget.

Contact us today at Brock and Poole Insurance Agency, serving Collierville, TN, to learn more about your options and find the coverage you need.

All fifty states now require every motorcyclist to wear a helmet when riding. This seems like it should be common sense, as a human head hitting the pavement at 30 mph or faster with no protection can mean the end of your motorcycle adventures… permanently! Your Collierville, TN friends at Brock and Poole Insurance Agency want to remind you of this simple way to keep yourself safe on the road.

Why a Helmet?

You may be the most careful motorcyclist on the road. We do not doubt that, but the fact is that when thousands of motorcycles get on the road with millions of cars and trucks of all sizes, you are the smallest and most vulnerable thing on the road. Defensive driving is the order of the day when you’re on a motorcycle. Make sure that you give larger vehicles a respectful berth and don’t try to zip past them – as tempting as it is and as attractive as it looks in movies. Movie motorcyclists are trained, licensed stunt performers; even then, some nasty and fatal injuries can happen.

Helmets Are Made To Keep Your Head Safe

Motorcyclists will often grumble about their helmets – after all, don’t you ride a bike to feel the wind in your hair? But if you search “motorcycle helmet damage” on the internet, you’ll quickly see pictures of helmets damaged or split apart by impact with the road that saved their riders’ lives. You want to wear a helmet because a concussion will heal over time, but death is quite a bit more challenging to overcome.

Give Us A Call

Brock and Poole Insurance Agency in Collierville, TN is here to help you with your insurance needs. Call or come in today for an estimate.

Those that live in the Collierville, TN area will need to have a mode of transportation to get around the community. One option to consider is to invest in a motorcycle, which is both fun and efficient to drive. If you have a motorcycle, you should make sure that you have the right insurance plan in place to receive proper coverage. A full motorcycle insurance plan should be considered a necessity for various reasons. 

Comply with Legal Requirements

An important reason to have a motorcycle insurance plan when you are in Tennessee is so you can comply with any legal requirements. Those that are going to ride a motorcycle in this state need to have liability insurance. Further, if they have a loan out against the motorcycle, they need to have a full plan with comprehensive coverage. A motorcycle insurance plan can ensure compliance with these requirements.

Receive Valued Coverage

You also should have a motorcycle insurance plan in Tennessee to ensure you are properly covered. With a full plan, you will have the coverage needed to replace or repair your motorcycle if there is an accident. Further, motorcycle insurance will provide you with liability insurance, which will be helpful if you cause an accident and need to cover any damages.

Owning a motorcycle can be a good transportation option for people that reside in the Collierville, TN area. Along with your decision to purchase a motorcycle, you also need to spend time assessing your motorcycle insurance needs. People that reside in this area and need coverage should speak with the team at Brock and Poole Insurance Agency. Those that are going to purchase a motorcycle here will find that Brock and Poole Insurance Agency can help answer questions and help you build an ideal plan. 

While motorcycle insurance can protect your interests, accidents still happen. 

It’s important to understand the causes of motorcycle accidents so you can become better aware. Remaining vigilant on the roadways will help you avoid dangerous situations altogether.

With your safety in mind, Brock and Poole Insurance Agency lists five common motorcycle insurance claims.

Excessive Speed

Motorcycles can reach top speeds quickly. This often results in reckless driving, which is one of the leading causes of motorcycle-related deaths. Wear proper safety gear and obey all posted speed limits to minimize your risk.

Distracted Driving

Cell phones, radios, and other distractions can make driving even more dangerous. This applies to all drivers on the road, not just motorcyclists. Many claims are caused by another driver being distracted and not seeing an approaching motorcycle.

Roadway Debris

If you’re distracted, you may miss other hazards on the road too. Falling objects and unexpected debris can lead to serious injury, if unnoticed. Again, it’s crucial to stay alert and engaged.

Improper Lane Switching 

Left-hand turns and accidents at intersections are the most common of all claims. This is usually caused by a driver failing to signal a turn. However, lane splitting can be problematic too. This is when a motorcyclist attempts to avoid traffic by driving between two lanes.

Poor Weather Conditions

Some things are just out of your control. You simply can’t always plan for inclement weather. Fog, high winds or heavy rain reduce visibility. Under these circumstances, even the smallest mistake can be costly.

Schedule an appointment with an agent serving Collierville TN

Motorcycle accidents can be potentially fatal. For this reason, motorcycle insurance is essential. Protect yourself and your assets. Located in Collierville, TN, contact the Brock and Poole Insurance Agency today.

Whether you are traversing the streets of Nashville on your cruise or enjoying a breathtaking long ride through the Great Smoky Mountains, you require utmost peace of mind when it comes to your motorcycle insurance. At Brock and Poole Insurance Agency serving Collierville, TN, and its environs, we comprehend that no two motorcycle riders are similar. As a result, we offer customizable motorcycle insurance to befit your lifestyle and budget. 

Benefits of Motorcycle Insurance in Tennessee

When you purchase motorcycle insurance from us, you will enjoy the below benefits:

Liability protection

If you cause damage to other people’s property after a motorcycle accident, liability coverage reimburses for the resulting costs to cover repairs and other prevailing bills. Most insurance companies give you the liberty to take on different levels of liability coverage. Higher limits can be more expensive, but they are vital to cover you when faced with substantial liabilities. 

Compliance with law

Not only are you required to have the training to ride a motorcycle, but you must carry motorcycle insurance. Under Tennessee insurance law, motorcycle riders must carry bodily injury liability and property damage liability insurance. Liability insurance helps you to pay other people’s property damage and physical injuries.

Protection of the asset

Comprehensive and collision coverages cover the replacement of your motorcycle and repair costs if you are involved in an accident or suffer damage or loss from other covered perils like falling objects, fire, vandalism, and theft.

Payment of your medical bills

Bikers face higher accident risks as compared to other motorists. This increased risk culminates in higher injury risks. That said, you need medical payments or personal injury protection (PIP) coverage to pay for medical bills for you and your passengers resulting from a motorcycle accident.

Are you searching for motorcycle insurance in Collierville, TN and its environs? Please call or visit us at Brock and Poole Insurance Agency located for a competitive quote.

If you live in Collierville, TN, and are looking for a new vehicle option, purchasing a motorcycle is often an ideal option. Those that do own motorcycles here will have a fun way to get around town that is also efficient to drive and operate. As you are purchasing a motorcycle you also need to think about your insurance needs. There are a few reasons why you will need to get a full motorcycle insurance plan when you are here. 

Insurance is Required by the Law

A key reason to get a motorcycle insurance policy when you are here is that it is required by state law. Those that are in the state of Tennessee will need to comply with the state law that mandates that all vehicle owners carry liability insurance. This requirement extends to motorcycle owners. If you are caught driving without liability motorcycle insurance, you will face penalties.

Insurance Protects Motorcycle

You should also get a motorcycle insurance plan because it will protect your motorcycle. Getting a motorcycle takes a big investment and is something that you should aim to protect. The best way to do this is by getting a collision and comprehensive motorcycle insurance plan. This coverage offsets the risk of loss due to a variety of situations including accidental damage or theft. 

Anyone that would like to buy a motorcycle in the Collierville, TN area needs to make sure that they are getting the right insurance coverage. If you are going to buy one of these here, Brock and Poole Insurance Agency can offer you the guidance you need to choose a plan. When you work with the Brock and Poole Insurance Agency you are going to get the support needed to understand your needs and options and then create a plan accordingly. 

If you’re a motorcycle owner in Collierville, TN, you might spend a lot of time enjoying the freedom that lies just outside your front door. But as great as owning a bike can be, you also have to worry about the inherent risks that come with it. Brock and Poole Insurance Agency wants you to have all the facts if you want to protect your bike from theft. 

Covering Your Bases 

The lightness of a bike just makes a motorcycle so much more attractive than a larger vehicle. If a motorcycle is parked in a relatively out of the way place, the theft process can be quick and easy, giving thieves a relatively straightforward way to either resell or strip the bike for parts. You can get motorcycle insurance to cover theft, but to do so, you’ll need to opt for more than just a general liability policy. 

Why Go the Extra Mile?

You can certainly opt for a number of theft-prevention strategies in Collierville, TN, but the truth is that you can’t eliminate the odds entirely. Adding theft coverage to your motorcycle insurance policy is a way to keep your investment from being whisked away. This might include taking out a comprehensive policy, one that can protect you from a number of other threats, including natural disasters and accidental animal collisions.

If you have questions about whether or not your motorcycle insurance provides enough relief, call Brock and Poole Insurance Agency. We’re here to serve your community however we can, including giving you the options you need to feel confident on the road. Motorcycles are objectively more dangerous than vehicles, if only because they lack four-sided protection.  Contact us today to see what we can do to help you and your vehicle stay safe out there. 

When you first take out your motorcycle insurance, you may agree to a number of terms and conditions that are a surprise to you when it comes time to file a claim. For those who want to protect themselves in Collierville, TN, here are a few uncommon facts about this type of policy that you may not realize. 

Passenger Liability Clauses 

Some people love the solitude of a motorcycle, especially if they want to take long drives without anyone else’s input. But others like to give family and friends a ride whenever they can. Sometimes the excitement is even more thrilling when someone else shares in it too. But your insurance policy may not cover passengers in the case of an accident, so you need to be careful before you let anyone else hop on. 

There Are Limits on Your Policy 

When it comes to overall liability, there are limits as to how much insurance will pay. So if you happen to have a particularly complicated filed lawsuit against you for an accident, you have to be certain you have enough liability protection to cover your defense. Make sure you know that limits on your coverage and are comfortable with them before anything happens. 

Your Carrier Matters 

Brock and Poole Insurance Agency knows what it is to help motorcycle drivers find the right motorcycle insurance. If you live in Collierville, TN, you owe it to yourself to find a company that will do more than the bare minimum when you need to make heads or tails of your coverage. Whether you’re hopping for a quote or just want to ask a few questions about your policy terms, contact Brock and Poole Insurance Agency for more information today.