There were more than 8 million registered motorcycles on the road at last count (well, we didn’t count them; that’s from the Motorcycle Industry Council). Riding has always been popular because it’s a way to feel a greater connection with the road-it’s just different from driving a car.
And the motorcycle insurance needs are different, too.
Whether you’ve got a Harley, Ducati, Triumph or Kawasaki, here are a few things to know about motorcycle insurance in Forsyth County and throughout Georgia.
Every motorcycle policy should cover things such as liability for bodily injury if you cause an accident, coverage for passengers on your bike and also any damage you cause to someone else’s vehicle or property. You’ll also want uninsured/underinsured motorist coverage, in case you’re in an accident with a driver who doesn’t have insurance (and there are a lot of those).
Optional coverages can provide a lot more protection for you, your ride and your passengers. Comprehensive coverage will help pay for repairs or a replacement if your vehicle is damaged by something other than a collision, or if it’s stolen. Collision will help pay for repairs to your motorcycle if it’s damaged in an accident. And medical payments can cover hospital and other care expenses for you and a passenger, whether or not you caused the accident.
We know motorcycles-because a lot of us are riders ourselves. Many companies have great features and discounts that you won’t always find in other policies:
- Safety-apparel coverage. It means if you have an accident that damages your helmet, jacket, boots, gloves or other safety apparel, it’s covered up to $1,000 per person-with no deductible.
- New Harley-Davidson replacement. There’s something special about a Harley, and if you’ve got a new one, two-year replacement-cost coverage is automatically included with your policy.
- Custom parts coverage. Riders love to make their bikes their own, whether it’s with custom paint, saddle bags or other accessories-that’s why several companies provide $3,000 in custom parts coverage at no extra charge. And if your ride is really unique, you can get additional coverage up to $20,000.
- Robust discounts. We give you a lot of ways to save on your motorcycle coverage. You can receive discounts for your riding experience, taking approved motorcycle-safety courses and even storing your bike in a locked garage.
Many companies also offer great options such as roadside assistance, and if you have multiple policies, you might qualify for a single-loss deductible: If one event causes damage to both your home and your motorcycle, for example, you’d pay only one deductible.
For many people, riding is about a unique feeling of freedom. The protection of a motorcycle policy can add to that-giving you the freedom to ride without worry. Learn more at https://bradfordturner.com/ about the available options for you.