Steiner Insurance Group

2413 Wilcox Dr
Norman, OK 73069

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Motorcycle Safety Tips

Motorcyclists have a reputation for being rebellious renegades. However, they must follow some rules for their own good and for the good of others. Follow these tips and keep yourself safe on your motorcycle. Keeping your insurance premiums low will be a bonus! 

Dress Right

Black leather doesn’t just look cool, it can prevent the asphalt from being a cheese grater against your body. If it’s hot out, there is ventilated motorcycle wear you can use. A DOT-approved helmet is a must, as are goggles if you have an open-faced helmet. 

Know Your Limits

Your bike and route should suit you and your driving skills. When you sit on your bike, you should be able to rest your feet flat on the ground. The handlebars and controls should be easy to reach. If you ride with a group, don’t feel pressured to keep up. Stay at your comfort level. 

Keep the Bike in Good Order

Always ensure your tire pressure, mirrors, and lights are at an optimum level. Walk around your bike occasionally to ensure there are no loose bolts, leaks, or other hazards. Keep up with regular maintenance. Take care of your bike, and it will take care of you. 

Pay Attention

When you are driving your motorcycle, keep your mind on the road. Watch for any changes in the terrain and obey all signs and signals. Do not drive if your mind has been altered in any way. 

Contact Steiner Insurance Group Serving Nashville, NC

If you need motorcycle insurance and are in the Nashville, NC, area, please get in touch with Steiner Insurance Group. We are here to help. 

Will motorcycle insurance pay for the damage I caused to my neighbor’s mailbox?

Many motorcyclists enjoy driving the streets and highways of North Carolina. As a result, North Carolina has laws that dictate the legal requirements for motorcyclists and drivers. Both drivers and motorcyclists are required to carry insurance. The Steiner Insurance Group of Nashville, NC is committed to helping motorcyclists understand the laws and get the necessary coverage. An insurance agent can help motorcyclists understand their coverage options.

Is Motorcycle Insurance Required in North Carolina?

Yes. Both drivers and motorcyclists are legally required to carry motorcycle liability insurance that meets the state minimum requirements. The motorcycle laws apply to all motorcycles and motor scooters. Liability coverage should include $30,000 in bodily injury coverage and $60,000 in bodily injury coverage per accident. Motorcyclists are also required to carry $25,000 in property damage coverage. Although motorcyclists are only legally required to carry liability insurance, more insurance could be required in some situations. If you lease your motorcycle or have a motorcycle loan, the lender usually requires full coverage insurance. 

Will motorcycle insurance pay for the damage I caused to my neighbor’s mailbox?

Yes. Typically, property damage is covered by liability insurance. Property damage coverage will also pay for the clean-up/removal of debris from an accident or situation. North Carolina laws require all motorcyclists to carry liability insurance. Liability insurance includes property damage coverage. If you damage your neighbor’s mailbox, your property damage coverage will pay for the repair or replacement of your neighbor’s mailbox. You/your neighbor can file a claim with your insurance company that covers the repair or replacement of the mailbox. If you have questions about motorcycle insurance and the coverage it provides, call us. We’d be happy to help you explore all of your options. 

What to Do After a Motorcycle Accident: A Guide to Filing an Insurance Claim

No one ever wants to be in an accident, but unfortunately, it happens. If you’re a motorcycle rider in Nashville, NC, you must be prepared for what to do after a crash. At Steiner Insurance Group, we understand the stress and anxiety of being involved in an accident, so we’ve put together this guide to help you understand the process of filing an insurance claim.

What to Do After a Motorcycle Accident

Get to Safety

The first and most important step after a motorcycle accident is to get yourself and anyone else involved out of harm’s way. If you can, move your bike off the road or as far away from traffic. Check for injuries and call 911 even if you cannot find any. Make sure to tell them you were riding a motorcycle.

Keep Your Gear On

If you’ve been injured, leaving all your gear on is important until medical professionals arrive. This includes your helmet and any other riding garments you may have been wearing. Even though these items may be damaged beyond repair, the evidence they provide can help with an insurance claim.

Document Everything

Once the accident scene has been secured, you should document as much as possible. Take photographs and videos of the crash site and any damage to your motorcycle and other vehicles involved. If there were witnesses, get their contact information and note what they saw. This can help when it comes time to file an insurance claim.

Collect Information from the Other Driver

In the event of a collision with another vehicle, you’ll want to get their contact and insurance information. Ensure they know that you plan on filing a claim, as this can help avoid unnecessary wrangling later on. If they don’t have insurance, it’s best to take down their license plate number in case you need to pursue legal action.

File a Police Report

Be sure to file a police report with the local authorities. Even if there were no injuries, this is an essential step in documenting the accident. Obtain a copy of the report and keep it for your records. This will be essential when filing an insurance claim.

Contact Your Insurance Company

Once you’ve collected the necessary information, it’s time to file your claim with Steiner Insurance Group. Our experienced agents will help you navigate the process and ensure everything is in order before submitting your claim. We strive to make filing a claim as easy and stress-free as possible. Contact our offices today to learn how we can serve those in the Nashville, NC area.

Three considerations when you choose a motorcycle insurance policy

Motorcycle insurance protects you both in terms of your liabilities and motorcycle value. At Steiner Insurance Group, we’re committed to offering quality coverage to riders in Nashville, NC.

There are numerous considerations you’ll want to take into account when you purchase motorcycle insurance coverage. The following are three considerations when you choose a motorcycle insurance policy. 

How much liability insurance to carry

You’ll have a few different options regarding how much liability insurance to carry. While you’re only legally required to meet your state’s minimum liability coverage requirements, it’s always a good idea to purchase additional liability coverage to protect your finances. 

Whether to purchase collision and comprehensive coverage

Collision and comprehensive coverage are not typically legally required. However, you may have to pay out of pocket for repairs to your bike after an accident if you don’t purchase collision coverage. You may also have to pay out of pocket for repairs after damage caused by theft or vandalism without comprehensive coverage.

It’s, therefore, always a good idea to add both collision and comprehensive coverage to your policy. You will also be required to purchase these types of coverage if you took out a loan to purchase your bike and are still paying off the loan. 

Policy features such as roadside assistance

Motorcycle insurance providers also typically offer numerous optional policy features like roadside assistance, lease/loan gap coverage, and towing/labor coverage.

It would be best to learn what these additional policy options involve and decide whether you want to add such features to your policy. 

Do you want to learn more about motorcycle insurance in Nashville, NC? We’re standing by at Steiner Insurance Group to answer your questions about motorcycle insurance coverage that will offer you the financial protection you need. 

Motorcycle Insurance for Beginners

In Nashville, NC, motorcycle and scooter owners and operators need to maintain liability insurance coverage. If you are the new owner of a motorcycle or scooter, then the Steiner Insurance Group would like you to know more about your coverage options.

Motorcycle insurance is a category of auto insurance, and the following are some of the options available.

Liability Insurance

The first type of insurance that you need to know about is liability insurance. As mentioned, it is a mandatory requirement. This type of insurance is for property damage and third-party injury for which you are legally liable as a result of an auto accident. NC requires minimum coverage of $30 000 per person and $60 000 per accident. There is also a minimum cover of $25 000 needed for property liability.

Collision and Comprehensive Insurance

Collision insurance covers your motorcycle repairs or replacement on an actual cash value basis in the event of an accident. Comprehensive or Other than Collision insurance provides financial cover if there is damage to your motorcycle from perils like hail, fire, theft, and collision with animals.

Uninsured/Underinsured Cover

If another driver hits you and they are under or uninsured, this provides cover if you and your passenger sustain injury and your motorcycle (your property) sustains damage.

Medical Payments Coverage

This insurance option provides cover for necessary medical interventions or funeral expenses resulting from an auto accident, including as a pedestrian.

Take Action Today!

Before you drive off into the sunset on your newly purchased motorcycle, be sure of two things. You have your helmet on, and you have spoken to the Steiner Insurance Group serving Nashville, NC, about buying motorcycle insurance and peace of mind.

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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