When does someone in Wisconsin need motorcycle insurance?

When residing in Baraboo, WI, having reliable transportation is crucial. Despite the prolonged cold winters, owning a motorcycle can be a practical choice for the rest of the year. However, like any other vehicle, a bike also requires adequate insurance. Here are situations when motorcycle insurance is essential in Baraboo, WI.

Public Road Usage

If you plan to use your motorcycle on public roads, you must meet state legal standards by procuring the necessary liability coverage. A comprehensive motorcycle insurance plan will provide this essential coverage, protecting you in case of any accidents or damages.

Vehicle Financing

If you’ve financed your motorcycle, your lender usually requires you to have insurance. This safeguards their investment if your bike gets stolen or damaged. An appropriate motorcycle insurance plan covers these potential risks, ensuring you comply with the lender’s terms.

Trust Johnsen Insurance with Your Motorcycle Insurance Needs

When shopping for motorcycle insurance in Baraboo, WI, contact our Johnsen Insurance experts. Our team is dedicated to guiding you through your decision, ensuring you remain appropriately covered no matter where your ride takes you.

The Sirens are Screaming and the Fires are Howling

Some people just never see the sudden curve until it’s way too late. The state of Wisconsin ranks sixth in the United States for most motorcycle accidents, with 14.42% of the 825 fatal crashes involving motorcycles. This makes it vital for a cyclist in the Badger State to have motorcycle liability insurance. Keep in mind that auto insurance does not cover your motorcycle and Wisconsin requires that motorcyclists carry uninsured motorist coverage.

Motorcycle Insurance Coverage Options

Liability Insurance

If you cause damage to another person or property with your motorcycle, liability insurance will cover it. Your rates may go up, but at least you don’t have to pay out of pocket for injuring someone. 

Collision Insurance 

Now suppose the accident was the fault of something outside your control, such as bad weather. This will pay for repairs to your motorcycle that might be needed. 

Comprehensive Insurance 

If your motorcycle is stolen, vandalized, or damaged by anything other than being on the road, this will compensate you for expenses to repair or replace your motorcycle. 

Personal Injury Protection 

You may be torn and twisted, but just enough to land in the hospital. Personal Injury Protection will cover most of your hospital bills, medical expenses, and lost wages. 

Uninsured Motorist Coverage 

In the unfortunate event that you get into an accident with a hoodlum with no insurance, this insurance will take care of you. Sure, you could try and sue the miscreant, but you can’t get blood out of a stone. 

Looking for Insurance in Baraboo, WI? Johnsen Insurance Can Help!

We at Johnsen Insurance hope you’re never in an accident, but we’ll be there for you if you are. We serve the greater Baraboo, WI community. Please drive safely and responsibly. 

Why Insurance is Especially Important For Bikers

Motorcycles can be a lot of fun, fulfilling desires for an open road and a need for speed. They can also make for great general modes of transportation. That said, motorcycle drivers would do well to respect both the bike and the road because serious mishaps can happen. Further, in some ways, motorcycles are more dangerous to drive than cars. To learn more about motorbike insurance, contact Johnsen Insurance, serving Baraboo, WI and other areas.

Data Drives Home How Dangerous Motorcycles Are

Over 80,000 motorcyclists end up injured each year, many of whom require medical care. Digging deeper, there are 992 injuries per 100,000 registered motorcycles. If someone is injured while on a motorcycle, motorcycle insurance will often cover some or all of the medical bills. Of course, bike owners need to read the fine print of any given plan to understand what is and is not covered.

Sadly, injuries on motorcycles are more likely to be severe (meaning higher medical bills). Modern cars provide extensive safety equipment that motorcycles lack, such as airbags and seatbelts.

Motorcycles are also prime targets for theft. Thieves can load bikes into trucks rather than hotwiring them. Later, bikes can quickly be stripped down and sold for parts, which can command a lot of money.

Why Motorcyclists Need Insurance Coverage

Quite simply, driving or riding in a car is safer than using a motorcycle. While motorcycle safety has improved and wearing the appropriate safety gear, like helmets, reduces risks, there’s still a considerable chance that a motorcyclist will end up hurt. As such, it’s important to have insurance coverage that will cover medical bills not just for the driver but also passengers and other folks on the road.

Give Us A Call

It’s also wise to take out theft insurance for a motorbike given that they are prime targets for thieves. If you want to explore insurance plans, contact Johnsen Insurance, which serves Baraboo, WI and other areas.

5 Mistakes People Make When Buying Motorcycle Insurance

Motorcycle insurance is a vital part of being a responsible rider. Not only does it protect you financially, but it also helps to ensure that you and your bike are properly covered in the case of theft or damage. However, buying motorcycle insurance can be a complex process, and riders often make a few key mistakes. Johnsen Insurance in Baraboo, WI offers a look at five of the most common mistakes people make when purchasing motorcycle insurance and how to avoid them.

Motorcycle Insurance Mistakes to Avoid

1. Not Knowing What Type of Coverage You Need 

There are various types of motorcycle insurance coverage available, from liability to comprehensive. It’s important to know what type of coverage you need to get the best protection for your bike.

2. Not Shopping Around for the Best Rates 

When it comes to insurance, there is no one-size-fits-all solution. Every rider is different, and so are their insurance needs. As such, it’s important to shop around and compare rates from different insurers in order to find the best deal.

3. Failing to Disclose Important Details 

When you’re applying for motorcycle insurance, it’s important to be honest, and upfront about any relevant details that could affect your coverage. This includes things like your riding history, the type of bike you ride, and where you live. Remember, lying or omitting important information on your application could result in your policy being voided.

4. Not Reading the Fine Print 

It’s important to read the fine print of any insurance policy before you sign on the dotted line. This way, you’ll know exactly what’s covered and what isn’t. Otherwise, you could find yourself in a situation where you’re not properly covered.

5. Not Reviewing Your Policy Regularly 

Your insurance needs can change over time, so it’s important to review your policy regularly to ensure that it still meets your needs. If not, you may need to adjust your coverage or switch insurers altogether.

Following these tips can avoid making common mistakes when buying motorcycle insurance. Johnsen Insurance in Baraboo, WI can help you find the right policy for your needs.

What is covered by your motorcycle insurance policy?

Owning a motorcycle in Baraboo, WI is a pleasure. There are so many sites to visit riding your new bike, but you need to carry insurance to comply with the law and protect yourself against unexpected misfortune if you are using a public road. You probably purchased a policy at the same time you bought your motorbike, but do you know what it covers? Johnsen Insurance has drawn up this brief article to explain what is covered in a motorcycle insurance policy.

1. Liability coverage

Liability coverage is to protect you against claims made by other parties involved in an accident. The coverage extends to you and your immediate family if they have an accident while using your bike with permission.

2. Medical Payment coverage

When you fall off your bike, you are likely to get injured. Luckily, your motorcycle insurance policy makes provision for claims against medical bills or rehabilitation costs resulting from the accident. This way, you will be able to afford the best medical care and recover in no time.

3. Collision coverage and other than collision coverage.

The policy reimburses for all the dents and scrapes your bike sustained during an accident. Whether you have collided with another car, a wall, or just lost control on the road and fell, causing damage to your machine. All repairs are covered. Other-than-collision coverage pays for damages caused by falling objects, fire, hail, animal damage, or if your bike gets stolen.

So, as you see, the motorcycle insurance policy can help you recover after an accident quickly and painlessly. It is always there if you need it.  Come in and chat with our experts at Johnsen Insurance, who service the area of Baraboo, WI, to discuss the best way to protect your motorcycle and your family.

Why should I get a motorcycle insurance policy?

In the Baraboo, WI area, having a mode of transportation is very important. One efficient and fun type of transportation to consider is a motorcycle. While a motorcycle can be fun to drive, it is also an asset and responsibility that you need to care for by getting insurance properly. There are several reasons that you should get this insurance coverage. 

Insurance is a Requirement

One reason to get a motorcycle insurance policy is that it is a requirement for almost everyone. If you intend to drive your motorcycle on a public road, you will be obligated to have liability insurance at all times. Additionally, if you have taken out a loan to buy your motorcycle, the lender will require that you carry a full motorcycle insurance policy that provides comprehensive and collision protection as it will protect their collateral.

Insurance Protects Asset

Even if no one required you to carry a motorcycle insurance policy, getting one is still a good idea. When you do get a motorcycle, you will have made a big investment that you should try to protect as well as you can. One great way to do this is by getting a full motorcycle insurance policy. With this coverage, you will be protected if your motorcycle is damaged in an accident, stolen, or you incur a variety of other types of loss.

As you are looking for a new motorcycle insurance policy in the Baraboo, WI area, it is important to get guidance and support from someone you can trust. Those that want a policy here should call the team at Johnsen Insurance. When you work with Johnsen Insurance, the team will work hard to ensure your asset is properly protected and covered at all times.