Name: Surety Ins Inc
Address: 900 Western America Circle, Ste. 202, Mobile, AL, 36609
Telephone: 251-305-4990

How Motorcycle Insurance Covers Damage From Falling Objects or Road Debris

Posted on January 30, 2026January 15, 2026 by admin

When you’re cruising down Alabama highways on your motorcycle, the last thing you want to worry about is unexpected debris or falling objects causing damage to your bike. At Surety Ins Inc., we understand that motorcyclists face unique risks on the road, and comprehensive coverage becomes essential for protecting your investment against these unpredictable hazards.

Understanding Comprehensive Coverage for Debris Damage

Motorcycle insurance typically covers damage from falling objects and road debris through your comprehensive coverage. This portion of your policy protects against non-collision incidents, including tree branches, rocks kicked up by other vehicles, construction materials, and items that fall from trucks ahead of you. Unlike collision coverage that handles accidents with other vehicles, comprehensive coverage specifically addresses these environmental hazards that are unfortunately common for motorcycle riders.

What Types of Debris Damage Are Covered

Your comprehensive coverage generally protects against various forms of debris damage. This includes windshield cracks from flying gravel, scratched fairings from road debris, dented gas tanks from falling branches, and damaged mirrors from construction zone hazards. The coverage also extends to incidents where cargo falls from other vehicles and strikes your motorcycle. However, you’ll typically need to pay your comprehensive deductible before coverage kicks in.

Filing a Claim for Debris Damage

When debris damages your motorcycle, document the scene immediately if safe to do so. Take photos of your bike, the debris if possible, and the surrounding area. Contact your insurance company promptly to report the incident and begin the claims process. Having comprehensive coverage ensures you won’t be stuck paying out of pocket for repairs.

For reliable motorcycle insurance coverage in Alabama, Surety Ins Inc. offers comprehensive policies designed to protect riders from unexpected road hazards.

How Medical Payments Coverage Works After a Motorcycle-Related Injury

Posted on December 31, 2025December 12, 2025 by admin

Motorcycle accidents can result in serious injuries that require immediate and extensive medical treatment. Unlike car accidents where you have more protection, motorcycle riders in Alabama face greater vulnerability on the road. Understanding how medical payments coverage works through your motorcycle insurance policy from Surety Ins Inc. can make the difference between manageable medical bills and financial disaster.

What Medical Payments Coverage Includes

Medical payments coverage, often called MedPay, pays for medical expenses regardless of who caused the accident. This coverage kicks in immediately after an injury, covering ambulance rides, emergency room visits, hospital stays, surgery, and follow-up treatments. It also covers rehabilitation costs, which can be substantial after motorcycle injuries. Unlike health insurance, MedPay has no deductibles or copays, providing quick access to funds when you need medical care most urgently.

How MedPay Works with Other Insurance

Medical payments coverage works alongside your health insurance rather than replacing it. MedPay typically pays first, up to your policy limits, then your health insurance handles remaining costs. This coordination helps reduce out-of-pocket expenses and ensures faster payment to medical providers. If you don’t have health insurance, MedPay becomes even more valuable as your primary source of medical coverage after an accident.

Coverage Limits and Considerations

MedPay coverage limits typically range from $1,000 to $10,000, though higher limits are available. Given that motorcycle injuries tend to be more severe than car accident injuries, consider purchasing higher limits if your budget allows. The coverage applies to you as the rider and any passengers on your motorcycle at the time of the accident.

Protect yourself on Alabama roads with adequate medical payments coverage. Contact Surety Ins Inc., serving Alabama, today to discuss MedPay options that fit your riding habits and budget.

Motorcycle Insurance When You Travel Out of State

Posted on January 31, 2025January 28, 2025 by admin

Motorcyclists may travel light, but they often venture beyond their local areas. Some are inspired by the spirit of Easy Rider and hit the open road to explore America. However, with freedom comes responsibility. Given that motorcycles are involved in approximately 89,000 crashes annually, it’s prudent to have insurance for these expensive vehicles. But what happens when you travel out of state?

Insurance for Out-of-State Travel

If you plan to travel out of state, you might need to consider touring motorcycle insurance. This type of insurance is designed for long-distance driving, which statistically carries more risk. It covers theft, injuries, accidents, and vandalism. Most states require motorcycle liability insurance, making this coverage crucial. Touring motorcycle insurance helps you meet all legal requirements and often includes extras such as trip interruption, roadside assistance, or carried contents coverage. These benefits can make your trip smoother. If you plan to ride as far as Canada, remember that motorcycle insurance is required in all provinces. If you’re heading south of the border, only insurance from a Mexican insurance company will be recognized in Mexico.

Contact Surety Ins Inc. in Alabama

If you’re planning to leave Alabama on your motorcycle, we at Surety Ins Inc. wish you a safe and enjoyable journey. Please get in touch with us if you think it would be wise to apply for touring motorcycle insurance first (and we agree!). Our courteous and knowledgeable agents will do their utmost to help you find the policy that best suits your needs.

Four Motorcycle Insurance Misconceptions Demystified

Posted on February 28, 2024February 23, 2024 by admin

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.

New Motorcycle? Three Questions to Ask Your Insurance Agent

Posted on March 27, 2023June 21, 2023 by admin

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.

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Category: Motorcycle Insurance