FRIDAY, OCTOBER 16, 2015
 Now that you own the motorcycle of your dreams, it's time to think about insuring it. Insurance on motorcycles needs to meet several goals. First, it needs to protect other drivers on the road from accidents that you may cause. Second, it needs to protect the value of your bike in the event that you're involved in a covered incident. Today's motorcycle insurance policies can go even further than this. Consider these options with the assistance of your independent insurance agent.
Liability Insurance
Motorcycle insurance coverage options range widely, but a key component any policy is liability coverage. One component of this is bodily injury coverage, which protects against losses related to injury to someone else, or damage to someone else's property when you are at fault.
Damage Coverage
You'll also need coverage related to the motorcycle's value. For example, if you are in an accident and the other driver is at fault, but that person doesn't have insurance or does not have enough insurance, uninsured motorist insurance can be beneficial. Additionally, the right policy helps protect against damage to the bike itself when you are involved in an accident.
Protecting Against Other Losses and Risks
In addition to these components of motorcycle insurance, you may also benefit from policies that offer additional protections such as:
- Protection from theft, vandalism, fire and other related risks when your bike is in storage
- Protection for any attached sidecar to your motorcycle
- Protection from damage related to theft or fire when you are using your vehicle
- Loss protection for protective gear, most commonly for high-end gear
- Trip interruption coverage in case your bike breaks down and you cannot continue on your trip
- Emergency roadside expenses, such as towing
- Custom motorcycle work, such as repairs made after accidents to customized bikes
You know the value of your motorcycle. Now you need a motorcycle insurance policy that helps to protect your bike from the risks you face, whether you take it out on your next adventure or you keep it in storage. A flexible, but comprehensive plan will help you to maintain your bike while also keeping your budget in line.
Stay safe while on the open road. Call Auto Insurance Discounters at (866) 288-6545 for more information on Kansas City motorcycle insurance.
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It is not be used as a substitute for competent insurance, legal, or tax advice from a licensed professional
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