Riding a motorcycle can be exhilarating but comes with certain risks. As a responsible rider, you know the importance of having motorcycle insurance to protect yourself, your passengers, and your bike. However, many common misconceptions about motorcycle insurance can lead to inadequate coverage or unnecessary expenses. In this blog post, we will debunk some of the most common misconceptions about motorcycle insurance and help you understand how to choose the right policy to suit your needs.
Many riders assume that their health insurance will cover any injuries they sustain in a motorcycle accident, so they don't need medical payment coverage on their motorcycle policy. However, this is not always the case. Health insurance may not cover all the expenses related to a motorcycle accident, such as ambulance fees, deductibles, and copays. Medical payment coverage on your motorcycle policy can help cover these costs and ensure you receive the care you need without worrying about medical bills.
While your credit history may not directly affect your ability to ride a motorcycle, it can impact your insurance premium. Many insurance companies use credit-based insurance scores to determine your premium, based on your credit history, payment history, and other factors. Studies have shown that people with better credit scores are less likely to file insurance claims, which is why insurance companies use this information to predict the risk of filing a claim. If you have poor credit, you may pay higher premiums for your motorcycle insurance.
Comprehensive and collision coverage are two different types of coverage that provide different levels of protection. Comprehensive coverage protects your bike against non-collision events, like theft, vandalism, or natural disasters. Collision coverage protects your bike against damage caused by a collision with another vehicle or object. While these two types of coverage may seem similar, they offer different levels of protection and are not interchangeable. To ensure that your bike is fully protected, consider both types of coverage.
Your driving record is an essential factor that insurance companies consider when determining your premium. Even if you have a clean driving record in your car, you may end up paying higher premiums for your motorcycle insurance if you have a history of accidents or traffic violations. Similarly, if you have an account of DUIs or other serious offenses, you may find it challenging to get coverage. To keep your motorcycle insurance premiums low, it's essential to maintain a clean driving record on both your car and your bike.
At J&A Insurance Agency, choosing the right motorcycle insurance policy can be overwhelming. We offer personalized service and customized policies to meet your needs. Our experienced agents will help you understand the different types of coverage available and find the policy that best fits your budget and lifestyle. Contact us today for a free quote and start protecting yourself and your bike.