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.