Stop Paying Too Much for Insurance

Padlocked Motorcycle

You never want to see your motorcycle get stolen. However, you can't prevent such a loss in all cases. Motorcycles can be even easier to steal than the average car. So, what can you do to prevent motorcycle theft? What must you do if the worst does happen? Let's take a look at some of the tips to follow in the event motorcycle theft occurs.

In the end, motorcycle theft could cause you a very significant loss. However, if you have motorcycle insurance, you might be able to get help with the recovery, repairs or replacement of the vehicle. However, you usually have to report the accident appropriately to obtain the full benefits of your coverage.

Preventing Motorcycle Theft

Someone might steal your motorcycle from a parking lot while you are at work or inside a store. Or, they might even steal it from your driveway. Even if they don't successfully steal the entire bike, they might do considerable damage in their attempt. If they do succeed, you'll likely lose the bike for good.

To reduce your risks of bike theft, keep a few tips in mind:

  • Always use a chain to tether the bike to a bike rack or other solid structure. Attach the chain to the bike's frame, if possible.
  • Don't leave your key in the ignition or near the bike. Also keep storage bins locked at all times.
  • If the bike has a security system, arm it.
  • When parking in public, park in well-lit areas that are close to other vehicles.
  • If you have a garage or carport at home, park inside. If not, park the bike in a well-lighted area, close to the home.

How To React When Theft Occurs

You might notice motorcycle theft immediately. But if the theft happens overnight, while you're asleep, it could take some time to notice.

Regardless of when you discover the theft, it's important to act immediately. As soon as you can report the theft, the better your chances of recovering the bike.

  • Call the police. Give the 9-1-1 operator a full description of the vehicle, and tell them the last time you saw the car.
  • If any items stored with the bike were also stolen, make note of them. If the bike contained any special features, make note of these as well.
  • See if you can find a photo of the bike to provide to police.
  • Gather other important assets and paperwork related to the vehicle. You might need to get your title, the bike's Vehicle Identification Number (VIN), license plate information and other paperwork.

Present all of this information to the responding officers. Answer all of their questions truthfully, and give them an overview of when you last used the bike. If you know there are security cameras nearby, ask the police to check these items to see if they can catch a video of the crime occurring, and the person who did it.

Call Your Insurer

Next, call your motorcycle insurance provider. They will need to know that a theft occurred. That way, they'll know you don't have control over the use or security of your bike. They'll also help you start the process to file a claim for the loss or recovery costs that might result.

If you have comprehensive damage insurance, your policy might help you pay for the loss of the bike. Comprehensive coverage pays for damage that isn't related to accidents. Theft is a prime example of how this coverage can help you. The policy can help you to repair the bike's damage if you recover it, or to receive a settlement to buy a new bike.

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