Motorcycles can be fun to ride, but doing so also comes with risks. Before your wheels hit the pavement, make sure you are fully covered against any twist or turn that could interrupt your next adventure. Here at G&L Insurance, we offer fully personalized motorcycle insurance that is customized to meet your unique needs. Whether you prefer the slower pace of a scooter or moped, the relaxation of a cruiser, or the excitement of a sport bike, we have the coverage that is right for you.
Motorcycle Coverage Types
You invest a lot in your motorcycle, so it only makes sense to protect it. While you may not be able to control the future or what could happen to your bike, there are steps you can take to ensure it – and you – are safeguarded against any damages that could occur as a result of an accident or another covered event. We offer a broad range of coverage types, including:
If you find yourself responsible for causing an accident that injures another person or damages their personal property, you could be held financially responsible. Liability insurance provides coverage for medical bills and property replacement, as well as legal fees and judgments made against you if you are sued. Be sure to work with an agent here at G&L Insurance to determine how much liability coverage you might need to protect your income and assets against litigation.
Collision and Comprehensive
If your motorcycle is damaged, destroyed, or stolen, replacing or repairing it could cost thousands of dollars. Collision and comprehensive coverage are both important for motorcycle owners, as they protect against these types of major losses. Simply pay your deductible, and insurance helps cover the rest.
When only original manufacturer parts will do, make sure you have an OEM endorsement added to your policy. This ensures that repairs made to your damaged motorcycle will only be completed using original manufacturer parts when available.
If you or your passenger is injured in a motorcycle accident, you should have access to the medical care you need without delay. Medical payments provides coverage for medical bills regardless of who was at-fault for the accident.
If you are injured by an uninsured motorist, you might have a hard time recovering the cost of your medical expenses and lost wages. Likewise, an underinsured motorist might not have enough coverage to take care of your needs. In these scenarios, uninsured and underinsured motorist protection can help fill in the gaps and protect you against major financial damages.
If you run out of fuel or need to jumpstart your battery from the side of the road, forget waving down a stranger who happens to be passing by. Instead, rely on your roadside assistance coverage to deliver assistance 24-7.
When you break down more than 100 miles from home, trip interruption insurance helps assure you have access to lodging, food, and alternate transportation to get home.
Towing and Labor
Whether your bike is stuck or you get into an accident, towing can be expensive. Fortunately, adding towing and labor coverage to your insurance can prevent exorbitant out-of-pocket costs.
Motorcycle Insurance Discounts
When it comes to making the most out of transportation – at least for motorcycle riders – less is more. After all, you’re happier with two wheels and a handlebar than four wheels and a bulky dash. So why should your insurance be any different? Here at G&L Insurance, we pride ourselves in delivering complete motorcycle insurance coverage at affordable, competitive rates. We shop around to find great rates on the coverage you need, along with the motorcycle insurance discounts you want and deserve. We can also show you how to save even more by purchasing coverage for your home and auto from the same carrier as your motorcycle insurance.
For more information or to request your free motorcycle insurance quote, contact our office today.