KELLY LEE INSURANCE
  • HOME
  • CLAIMS
  • QUICK QUOTES
    • SHOP INSURANCE
    • AUTO QUOTE
    • HOMEOWNERS QUOTE
    • FLOOD INSURANCE QUOTE
    • LIFE INSURANCE QUOTE
    • HOME & AUTO QUOTE
  • PERSONAL LINES
    • AUTO >
      • CAR >
        • CAR INSURANCE FAQs
    • HOMEOWNERS
    • MOBILE HOMES
    • RENTERS
    • FLOOD
    • BOAT & RV
    • LIFE
    • UMBRELLA
    • PROGRESSIVE INSURANCE
  • COMMERCIAL LINES
    • COMMERCIAL
    • BUSINESS AUTO & COMMERCIAL TRUCK
    • GENERAL LIABILITY
    • BUSINESS OWNERS POLICY
    • WORKERS COMPENSATION
    • CYBER-SECURITY
    • INLAND MARINE & CARGO >
      • CONTRACTORS INSURANCE
      • CHURCH AND MINISTRY INSURANCE
  • CONTACT
  • ABOUT
    • NEWS
    • NEWSLETTER SIGNUP
    • INSURANCE TERMS
  • PAY BILL
  • Opt Out
  • TWFG APP

Is Motorcycle Insurance Really Worth It?

29/5/2019

 
Picture
Discussing Motorcycle Insurance As A Necessity
​

Some may think owning a motorcycle is easy, but what many do not realize is that this mode of transport requires almost the exact same requirements as a car, and included in the list of things to do, is the need for insurance.

How Does Motorcycle Insurance Work

According to the Bureau of Statistical Information, the United States has over 885,000 motorcycles on the road in 2007, and it can be safe to deduce that this number has increased over the years. The laws regulating motorcycle use, age, licensing, and training do vary, but the main thing to keep in mind is that insurance is a major factor that cannot be ignored.

Before purchasing a motorbike, most riders are encouraged to take part in a motorcycle safety course upon which they receive a certificate. This often works to lower their premiums as many companies offer large discounts upon presentation of this certificate. Other discounts may depend on age, including insurance companies that offer more competitive rates to riders over the age of 50, while others specialize in ensuring younger riders. To get the best motorcycle insurance Lake Charles insurance companies have to offer means understanding the options available by exploring the coverage options available.

Types of motorcycle insurance Lake Charles companies sell

Liability insurance is the most basic form which normally covers the bodily injury and possible damage that may be caused to the property of a 3rd party. This does not cover the rider, but rather focuses on the other party with whom the rider may have collided with. It may also cover injury to a passenger rider, depending on the insurance company and laws of the area within which such an accident may happen.
Motorcycle Collision Insurance covers the damage to the motorbike upon collision with another vehicle, which means the company will usually pay for damages amounting to the book value amount of the bike minus deductibles.

Comprehensive Coverage in contrast with the above Motorcycle Collision Insurance pays for damages caused by anything other than a collision with another vehicle, such as theft, fire, or vandalism, covering the book value of the bike.

Personal Injury Protection which pays for the medical bills of the rider, passenger, and pedestrians who may be involved in an accident. This is usually offered on as an ‘add-on’ and may not necessarily be available across the country.

There are other disclaimers and additions to this insurance coverage such as Coverage for Customized Parts which will compel a insurer to pay for more than the standard factory parts that a motorcycle comes with. There is also the Uninsured/Underinsured motorist coverage which would pay for personal injury caused or damage to property by another driver who does not have insurance and usually covers medical treatment and lost wages.

Factors Determining Motorcycle Insurance Costs

There are a number of things that may make one individual be liable to pay more insurance costs than another, and these include:
- The age of the driver
- The driving record of the driver
- The area within which the driver lives
- The age of the motorcycle
- The number of miles the driver rides in a year
- The storage of the bike
These are just a few of the factors that contribute to the premiums involved in purchasing motorcycle insurance.

Conclusion

In conclusion, having motorcycle insurance is beneficial for both the rider and those in their environs. It protects owners from having to face major costs after an accident that could be financially devastating. Most states in the U.S require proof of insurance before registering a motorcycle and getting a license plate, meaning insurance is a solution that may keep one from ending up in the dirt.
TAGS:

Motorcycle Insurance - Bike Insurance - Dirt Bike Insurance - Off Road Bike Insurance - Lake Chalres, La


Comments are closed.

    Archives

    August 2023
    June 2023
    January 2022
    December 2021
    November 2021
    August 2021
    June 2021
    May 2021
    April 2021
    February 2021
    January 2021
    December 2020
    November 2020
    October 2020
    September 2020
    August 2020
    July 2020
    June 2020
    May 2020
    April 2020
    March 2020
    February 2020
    January 2020
    December 2019
    November 2019
    September 2019
    August 2019
    July 2019
    June 2019
    May 2019
    April 2019
    March 2019
    February 2019
    January 2019
    December 2018
    October 2018
    July 2018
    June 2018
    July 2017

    Categories

    All
    AUTO
    BUSINESS
    Car Insurance
    COMMERCIAL INSURANCE
    Commercial Trailer
    LIFE
    PERSONAL INSURANCE
    Progressive Insurance
    Renters
    Trailer Insurance

    RSS Feed

We welcome the opportunity to earn your business, give us a call or drop us a line.​ 


Hours

M-F: 8 AM - 5 PM

Telephone

(337) 656-2890

Email

[email protected]

Address

​3205 Ryan St
Lake Charles, LA 70601


Claims  
Auto Quote
Home Quote
Auto
​
Car
Homeowners
Mobile Home
Flood 
Boat & RV 
Life
Umbrella
Business Auto
General Liability
Business Owners Policy
Workers Compensation
Contact
News 
Insurance Terms
Pay Bill
​Privacy Policy
​Terms and Conditions
Sitemap
Site Design by ​​SLS Digital Consulting
  • HOME
  • CLAIMS
  • QUICK QUOTES
    • SHOP INSURANCE
    • AUTO QUOTE
    • HOMEOWNERS QUOTE
    • FLOOD INSURANCE QUOTE
    • LIFE INSURANCE QUOTE
    • HOME & AUTO QUOTE
  • PERSONAL LINES
    • AUTO >
      • CAR >
        • CAR INSURANCE FAQs
    • HOMEOWNERS
    • MOBILE HOMES
    • RENTERS
    • FLOOD
    • BOAT & RV
    • LIFE
    • UMBRELLA
    • PROGRESSIVE INSURANCE
  • COMMERCIAL LINES
    • COMMERCIAL
    • BUSINESS AUTO & COMMERCIAL TRUCK
    • GENERAL LIABILITY
    • BUSINESS OWNERS POLICY
    • WORKERS COMPENSATION
    • CYBER-SECURITY
    • INLAND MARINE & CARGO >
      • CONTRACTORS INSURANCE
      • CHURCH AND MINISTRY INSURANCE
  • CONTACT
  • ABOUT
    • NEWS
    • NEWSLETTER SIGNUP
    • INSURANCE TERMS
  • PAY BILL
  • Opt Out
  • TWFG APP