Steiner Insurance Group

1161 Sonoma Park Dr
Suite 200
Norman, OK 73071

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What does motorcycle insurance cover?

You love the feeling of freedom when riding your motorcycle. But with pleasure comes responsibility. In Nashville, NC, motorcycle and scooter owners are required to carry liability insurance. But, what can you reasonably expect the insurance policy to cover in case of an accident? Steiner Insurance Group explains the different types of coverage included in your policy.

Liability coverage

The liability coverage refers to the amount you are legally obliged to pay for another person’s injuries and property damage. The liability cover extends to your family members or other persons using your motorcycle with permission.

Medical payment coverage

If you or your family members are injured in the accident while riding your insured motorcycle, the policy will pay for any medical or funeral expenses resulting from the accident, including the medical care and rehabilitation costs needed to return you to health. The policy will pay for each injured individual up to the listed coverage limits.

Collision coverage and other than collision coverage

Collision coverage will pay for physical damage that occurred during the accident. It usually refers to the damage caused by the impact of another vehicle or object.  Other than collision coverage pays for damages caused by falling objects, fire, theft, hail, or animals.

Uninsured/underinsured motorist coverage.

Uninsured and underinsured coverage protects you when someone else causes the accident. If the guilty party does not have insurance or has a very small coverage limit, your policy helps you recover your own insurance shortfall. The coverage extends to both medical bills and costs of repairs to your motorcycle.

Life is unpredictable, so prepare to take care of your family and your property by talking to Steiner Insurance Group experts in Nashville, NC.

Motorcycle Safety Starts With Motorcyle Insurance

Whether you’ve ridden a motorcycle for the past 20 years or you’re just starting to learn how to ride, the number one way to protect yourself from injury is to wear a helmet. Even a crash on a bike when you’re traveling at slow speeds can severely hurt you. With a helmet, you are much more likely to avoid a head injury and death.

Here at the Steiner Insurance Group serving the Nashville, NC area, we help keep motorcycle owners safe on the road by offering motorcycle insurance. Depending on the policy you get, you may be able to tap into roadside assistance if you are in need of help. Keep reading to learn about two other reasons you should protect your bike with motorcycle insurance.

Some States and Lenders Require It

If you have a loan on your bike, there’s a good chance that the lender will require you to have insurance. This ensures the lender will receive compensation in the event something happens to the bike while you still owe money on it. Also, depending on where you register the motorcycle, you may be required by law to have some type of insurance policy.

You Never Know What Could Happen

Just like in a car, when you’re riding a motorcycle, you never know what could happen. Having insurance coverage gives you peace of mind in knowing you can tap into various types of coverage in specific scenarios. With this type of protection, you can ride with less stress, which is crucial for staying focused on the road.

Want to learn more about motorcycle safety and how it starts with insurance? Contact the Steiner Insurance Group serving the Nashville, NC area today.

 

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