Stop Paying Too Much for Insurance

Motorcycle RidersIf you're familiar with car insurance, you know that there are many coverage options beyond what is required by law. Motorcycle owners are presented with a similar array of options, plus several more that are tailored for the smaller vehicles. Individuals who simply use their bikes as a means to get from point A to B may opt for the minimum state requirements, while motorcycle enthusiasts may prefer more complete coverage. Consider the following options, which you can discuss with your independent insurance agent for a better idea of the coverage that's right for you and your bike.
  • Liability: Covers the damage you cause to others during an at-fault accident, including property damage to vehicles, residences and storefronts, medical expenses, lost wages and pain and suffering.
  • Collision: Covers damage done to your property during a collision with another vehicle or stationary object.
  • Personal injury: Covers injuries suffered by you and/or your passenger during a collision, including medical expenses, lost wages and, in some cases, child care expenses during recovery.
  • Comprehensive: Covers damage done to your property that is not the result of a collision, including severe storms, fire, theft and vandalism.
  • Uninsured/underinsured motorist: Covers damages suffered by you and/or your passenger during a collision that was caused by an uninsured or underinsured driver.
  • Custom parts: Covers damages done to after-market parts that have been installed for aesthetic value, such as crash bars and custom seats.
  • Rental reimbursement: Covers the expense of a rental vehicle while your bike is being repaired or recovered.
  • Transport Trailer Damage: Covers damage done to motorcycle and off-road vehicle transport trailers during a collision, rollover or natural disaster (some exclusions apply).
Get the coverage you need. Call Auto Insurance Discounters at (816) 252-2255 for more information on Kansas City motorcycle insurance.
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