If you bought a motorcycle, it's time to buy insurance. You need to have motorcycle insurance before you take your motorcycle on the road. If you've never bought motorcycle insurance before, you might not know what steps you need to take. Unfortunately, that can leave you without the right coverage. Read the list below. Here are four steps to take to get the coverage you need for your motorcycle.
Protect Your Bike
Now that you're buying motorcycle insurance, you want to protect your investment. The best way to do that is to make sure you get the right coverage on your insurance policy. That includes collision and comprehensive protection. Collision coverage repairs or replaces your motorcycle if you're in an accident. Comprehensive coverage covers your motorcycle when it's damaged in something other than a traffic accident. That includes damage caused by vandalism or collisions with animals. Comprehensive coverage also replaces your motorcycle if it's stolen.
Cover Medical Care
If you're shopping for motorcycle insurance, don't forget about medical coverage. Motorcycle accidents can leave you with serious injuries. Because of that, you need to know that your medical care will be taken care of. That's where your motorcycle insurance comes into the picture. Medical coverage pays the bills if you or a passenger are injured in a motorcycle accident.
Personal injury protection covers medical bills for you and your passenger. Personal injury protection also covers injuries to anyone else involved in the accident. It also covers lost wages. These coverage options make sure you're not left with medical bills and lost wages.
Get Help on the Road
If you're going to buy a motorcycle, you want to make sure you'll have protection while you're on the road. Whether your motorcycle breaks down, or you're in an accident, you're going to need protection. That's where roadside assistance coverage comes in handy. Roadside assistance plans aren't only for cars and trucks.
Roadside assistance plans also provide coverage for motorcycles. Add this coverage to your insurance policy. That way, you'll get help when your motorcycle breaks down on the road, or when you run out of gas. This coverage will also transport your motorcycle if you're in an accident.
Upgrade Bike Coverage
If you want to make modifications to your new motorcycle, upgrade your insurance too. Most insurance policies won't cover replacement costs for modifications to your motorcycle. That means you could pay out-of-pocket to replace those parts. That's why you need to upgrade your coverage. When you upgrade your insurance, you get the protection you need for your custom bike.
To find out more, contact a company like Full Service Insurance Agency of Wisconsin LLC.