What Kind Of Motorcycle Insurance Do You Need?
Securing motorcycle insurance can be a pretty harrowing experience
, especially if you dont like the idea of diligently canvassing for the best deals, and studying the fine print of insurance laws and contracts. With all the insurance companies out there offering so many different kinds of motorcycle insurance at a wide range of rates and payment schemes, you might become easily confused and frustrated.
As inconvenient as getting insurance might be, however, it is very important. After all, your motorcycle is pretty expensive and exposed potential dangerous situations. So rather than getting your bike in an accident and then having to junk it or shoulder the full cost of repairs, its probably a good idea to go through the small discomfort of securing insurance now than having to bear a great burden later on.
But to help you take the first step, here is some important information about the various coverage in motorcycle insurance in Texas:
Bodily Injury & Property Damage Liability This is the most basic type of insurance available, and is required by Texas Law. This includes your legal liability in the case of an accident for such things as third party damage and physical injury. However, if your bike is damaged, this kind of insurance will be of no help when trying to get help with repairs.
Uninsured Motorcycle Insurance This will take care of your medical expenses and loss of income, butand heres the catchonly if youre hit by an uninsured driver. Uninsured motorcycle insurance also covers repair costs for your bike as much as your insurance limit, but under the same conditions.
Medical Payments - Dont forget to make sure that your motorcycle insurance policy covers medical payments, because this is the last thing you want to be worrying about if you get into an accident. Medical payments coverage is optional and recommended.
Comprehensive and Collision Get his coverage if you want something that covers the repair cost to your motorcycle in the event of an accident, or will replace your bike if it was lost due to a fire or theft. Comprehensive and collision may even cover some custom parts that you may have added to your motorcycle. Make sure to request additional customization coverage to insure custom parts are covered.
Custom Parts Motorcycle Insurance This is for the hardcore bike-lovers out there who have poured out a lot of love on their bikes. This coverage will help if your one-of-a-kind bike is wrecked or stolen and you had customized the motorcycle. Some Texas motorcycle insurance policies already come with some customization, but you should ask your agent for the details.
Different companies will offer you different rates for insurance. Rates will also depend on your age, the type of bike you ride, your driving history and experience, and some other little details that you may not have thought of before. Generally, this means that you can take steps to make your insurance policy as affordable as possible.
by: Jesus R. Olivares
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