Motorcycle insurance is not required in all states, but depending on where you live, you may need to provide proof of insurance. In addition, if you are found at fault for a motorcycle collision, you could be held responsible for the damages. If you own a motorcycle in Tucson, AZ, Right Choice Insurance and Taxes wants to share with you some frequently asked questions and answers.
How Exactly Does Motorcycle Insurance Work?
A motorcycle insurance policy is very similar to a standard auto insurance policy. You will pay a monthly premium and file a claim if an accident occurs. You will be responsible for the deductible, and then the insurer will pay for the damages up to the policy limits.
Are There Additional Coverage Options?
It is a good idea to invest in collision insurance. This type of insurance coverage will protect your bike in a number of circumstances. In the event your motorcycle is totaled, this coverage will also pay for it to be replaced. Due to the fact that there are so many motorcyclists on the road without insurance coverage or not enough coverage, consider investing in underinsured and/or uninsured coverage.
You should also consider comprehensive coverage. This type of insurance coverage will provide protection when there is an incident that involves vandalism, theft, wind, water, or fire. There is also medical payment coverage. This type of insurance coverage will help pay for any medical expenses you incur after a collision.
If you have purchased a motorcycle recently in Tucson, AZ and need help determining the most appropriate motorcycle insurance coverage for you, sit down with us at Right Choice Insurance and Taxes. We can help you examine your lifestyle and driving habits, as well as your budget, and figure out a policy that works for you.