Category: Motorcycle Insurance

Clarifying Common Misconceptions About Motorcycle Insurance

Motorcycle insurance provides essential financial protection for motorcycle owners and operators against potential losses from accidents or unforeseen events. At Surety Ins Inc., Alabama’s knowledgeable insurance professionals, we are aware that certain misconceptions may lead riders towards inadequate insurance coverage. Below, we debunk these misunderstandings.

Four Motorcycle Insurance Myths Busted

The following are some commonly believed misconceptions about motorcycle insurance and the reality behind them.

• My car insurance auto-covers me when driving my bike: Motorcycles come with unique risks requiring specialized insurance. Therefore, car insurance may not fully cover bike-related accidents.
• I don’t need Motorcycle Insurance, I have another vehicle: Motorcycle insurance is legally required regardless of the frequency of use. Ignoring insurance might lead to legal implications.
• My bike is old, Comprehensive/Collision coverage isn’t necessary: Age or value of the bike does not negate the need for collision or comprehensive coverage. These become crucial for financial protection against accidents, theft, natural disasters, or other covered events.
• Minimum Liability is enough: Considering the financial repercussions from property damage or medical expenses resulting from an accident, minimum liability coverage might not provide sufficient protection in case of a severe accident.

Find the Right Motorcycle Insurance in Alabama

Don’t leave your investment unprotected in the face of potential losses from an accident. For more information on motorcycle insurance choices in Alabama, contact a licensed representative at Surety Ins Inc. at 251-305-4990 or online.

So you’ve just bought a new motorcycle! Congratulations! It’s time to contact your insurance company and confirm your complete coverage and that you’ll be fully protected on the open road. But what questions should be asked? Surety Ins Inc. in Alabama can advise you on this critical insurance coverage.

Here are three important questions to ask:

“What Type of Coverage Do I Need?”

The first thing you should discuss with your insurance representative is the type of coverage you require. Motorcycle insurance is available in a variety of forms, and which one you need will depend on the type of motorcycle you own, where you live, and how frequently you ride.

For example, if you own a newer motorcycle, you should probably get collision and comprehensive coverage, which will protect your vehicle if it is stolen or damaged in an accident.

“What’s the Process for Making a Claim?”

The next question you should always ask is what the process is for making a claim. This is crucial information because if you get into an accident, it’s important to file your claim immediately so that all you need to worry about is healing.

Your insurance agent can walk you through the process step by step so you know what to do if you ever need to use your insurance.

“Am I Eligible for Any Discounts Available?”

Many insurance companies will give you a discount if you take a motorcycle safety course, insure multiple bikes, or have a clean driving record. It’s always worth asking if you could save money by bundling your policies, as well.

Get Your New Motorcycle Insured Today

These three questions will ensure that you have the right motorcycle insurance for your needs. So, when you contact an agent, don’t forget to ask them.

Surety Ins Inc. in Alabama can assist you with all your motorcycle insurance-related needs. Give us a call today, and we’ll gladly provide you with a quote and help you find the policy that helps best protect you.