Motorcycles are symbolic of freedom on the open road. What better way to protect that freedom than with the right insurance policy? Before you buy, though, there are a few things you should know about motorcycle insurance and what it can mean for you.

Motorcycles – The Thrills and Spills

There are few things quite as thrilling as riding your motorcycle through beautiful countryside and along splendid cityscapes. The risks, though, when riding motorcycles are larger than for those driving in passenger cars, trucks, minivans, and SUVs.

While all of these vehicles offer some degree of structural protection from perils and hazards on the road, there is little to protect you from these hazards or the road itself when riding a motorcycle. This is why it’s so important to get the right kind of insurance protection for yourself and your passengers when you ride motorcycles.

No one wants to believe it can happen to them, but it’s wise to be prepared when and if it does. Motorcycle accidents may require extended hospital stays, more involved treatment, and longer recovery times than accidents in standard automobiles.

This means you need a greater amount of insurance coverage, with higher plan limits, or that go above and beyond the standard limits, in order to protect yourself as a rider and your passengers if an accident occurs.

Coverage you might want to consider includes:

• Bodily Injury and Property Damage Liability
• Medical Payments Coverage
• Uninsured/Underinsured Motorist Coverage
• Umbrella Liability Insurance

The key is to cover all your bases so you’re not hit with a surprise that affects your finances adversely.

Protecting Your Investment

In addition to the liability, medical payments, and bodily injury coverages you need to help cover the extraordinary costs of medical treatment in the aftermath of injuries or accidents, you also need to protect the investment you’ve made in your motorcycle too.

Custom Parts Coverage – Think about it, how many upgrades and modifications have you made to your motorcycle? These aftermarket parts aren’t covered under traditional insurance. You need a rider policy, no pun intended, to cover these upgrades.

Towing and Labor – If you ever find yourself in need of towing or repairs, this coverage will reimburse you for those expenses.

Loan Gap Coverage – If your bike is totaled or stolen, this coverage will pay the difference between what the bike is currently worth and what remains owed on the loan.

Roadside Assistance Coverage – Roadside assistance can be a huge benefit for motorcyclists who are out in the elements when something happens to their bikes. Roadside assistance can be used for a wide range of problems including:

• Mechanical or electrical problems
• Dead batteries
• Running out of fluids
• Becoming trapped in water, snow, mud, or sand (within a certain distance of the roadway)
• Flat tires

Types of Bikes Covered by Motorcycle Insurance

There are many different types of bikes that are covered when you trust Phoenix Insurance Group with your insurance needs, including the following types from a wide range of makers:

• ATVs
• Cruisers
• Sports Bikes
• Touring Bikes
• High Performance Bikes
• Scooters
• Mopeds
• Trikes

Owners of classic motorcycles, on the other hand, may find that classic auto insurance coverage is a better match for your coverage needs and the best way to help protect your investment.

As with any insurance coverage offered by Phoenix Insurance Group, we encourage you to call 908-879-6500 with any questions you may have about your motorcycle insurance needs and coverage options. We proudly serve the insurance needs of motorcycle owners throughout Central and North New Jersey as well as throughout our great nation.