What Motorcycle Insurance Options Should I Consider?

Part of owning a motorcycle is purchasing motorycle insurance. You want to pick insurance that is affordable, as well as comprehensive. If you are wondering what motorcycle insurance options to consider, keep reading the latest from Hap’s Cycle Sales.

There are several different types of motorcycle insurance coverage. Most states require motorcyclists to carry liability insurance. Each individual state sets the minimum liability limits that drivers must purchase. Liability insurance does not pay for your own medical bills if you are involved in an accident. It also does not pay for the repairs of your bike. Instead, it helps the other person (or people) involved in the accident pay for any repairs to their property, as well as their medical bills.

In addition to liability coverage, there is collision coverage, comprehensive coverage, optional equipment coverage, medical payments coverage, personal injury protection, and uninsured and underinsured motorist bodily injury coverage. Collision coverage helps repair or replace your bike if it is damaged. Comprehensive coverage covers any damage if your bike is in an accident, but it also covers theft, fire, vandalism, and damage from severe weather. Optional equipment coverage is suitable if you've upgraded your motorcycle with custom paint or parts because this type of coverage protects those enhancements.

Medical payments coverage, personal injury protection, and uninsured and underinsured motorist bodily injury coverage are all types of coverage that help if you are injured in an accident.

At Hap's Cycle Sales, we offer Hap's Insurance. Alice M Poneleit-Bixler operates Hap's Insurance. She is the daughter of the late "Hap" Poneleit and the Founder of Hap's Cycle Sales Inc. Alice is an independent insurance agent who can connect you to motorcycle insurance provided by American Reliable Insurance, Dairyland, and Progressive. To find the perfect motorcycle and to receive insurance coverage, visit Hap's Cycle Sales! You can call us at 800-303-4277 or visit us at 2530 17th Street in Sarasota!