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The amount and type of motorcycle insurance you purchase will depend on the type of bike and how you plan to use it. Whether the motorcycle will be your main mode of transportation or you only plan to joy ride it in the beautiful California weather, you will need a motorcycle insurance policy. Rate Crushers Insurance Brokers can help you determine the best policy based on your answers to questions about the type of bike and its main use.
Motorcycle insurance is similar to auto insurance in that it provides financial protection in the event of an accident, loss, theft, or damage. When you carry liability insurance on your motorcycle, you are covered in the event that you are responsible for another person’s injuries or cause damage to their property. If you cause injuries to another person involved in an accident, liability insurance will cover the costs of their medical bills within the limits of your policy. Motorcycle insurance can also cover damage to property or legal fees which may be incurred as a result of the accident.
Rate Crushers Insurance Brokers in the California area can also help you customize your policy to cover things like the full replacement costs of the bike if it were to be totaled in an accident. A comprehensive coverage policy will pay for the loss or damage to the bike not caused by an accident. This could include hail damage, other weather-related damage, damage from animals, and even theft.
You may even consider adding the option of medical payments if you are hospitalized. Another consideration is underinsured and uninsured motorist coverage. If you are in a wreck and the driver at fault is not insured then this insurance will help cover the costs. Damage or loss to your equipment and upgrades including travel trailers, sidecars, custom exhaust equipment, safety apparel like chaps, and helmets can also be included.