Motorcycle insurance can do more for you than you might
expect (even if you don’t own a bike). Read on for some surprising facts about
motorcycle coverage.
If you ride a motorcycle, there are many good reasons to get
motorcycle insurance. The biggie: most (though not all) states require at least
bodily injury and property damage liability coverage. And, of course, it’s
always smart to have protection in case of an accident or theft.
But, like the bike itself, motorcycle insurance can be a
versatile beast. And like a stunt rider, it can sometimes leave you saying, “I
didn’t know it could do that!” Hop in the sidecar while we take you through
some surprising facts about motorcycle coverage.
1. You can insure almost any type of motorcycle
Think you can’t insure your bike because it’s been customized
from end to end or it’s a classic from the ‘50s? Not so. Through Esurance, you
can get coverage for 99 percent of the bikes on the road — cruisers, sport
bikes, modified bikes, antiques, and even bikes built from a kit.
2. You can get coverage for your snowmobile, scooter, ATV —
even your Segway or golf cart
“But wait, those aren’t motorcycles!” Well spotted, my
friend. Nonetheless, many insurers (including Esurance) cover leisure vehicles
under their motorcycle policies in certain states. Good thing, too, since many
states require liability coverage for ATVs, snowmobiles, mopeds, and such — and
most car insurance or homeowners policies offer little or no protection for
leisure vehicles.
Even vehicles you might not think about insuring, like golf
carts and Segways, are often covered by motorcycle insurance.
Why would you want insurance for a golf cart? What’s next,
slice insurance? According to a recent study, golf cart injuries jumped 132
percent between 1990 and 2006. Golf carts aren’t just being used on the links —
they’re also being driven more and more frequently on streets and trails, and
they don’t have seat belts, stability controls, or doors. So liability
insurance and comprehensive coverage (not to mention medical payments coverage)
is a good idea. (Taking it slow is an even better idea.)
Segways can also be surprisingly dangerous. In fact, a fall
from a Segway is more likely to warrant a hospital admission than being struck
by a car while on foot. So here again, medical payments coverage is worth
considering.
Find out the proper way to turn a Segway >
3. Bike
insurance can help keep your holiday from going kaput
Most insurers offer the same type of protections for
motorcycles as they do for cars: property damage and bodily injury liability,
comprehensive coverage, collision coverage, and medical payments coverage.
But there are a range of other coverage’s that can be
especially useful on road trips. Towing and labor coverage helps pay the costs
if your motorcycle or snowmobile breaks down. Trip interruption coverage will
help pay for lodging, food, and transportation if you get stranded. And if you
rent a bike or recreation vehicle during your vacation, your collision and
comprehensive coverage will likely protect you for that too.
4. Motorcycle insurance can cover your protective gear
Along with your vehicle itself, you can get coverage for the
stuff you need to ride it safely. Items like helmets, riding leathers, and
snowmobile gloves don’t come cheap, but if something happens to your gear, your
motorcycle insurance can help replace it.
5. You can get a discount just for being a homeowner
Depending on where you live, Esurance offers a multitude of
ways to get discounts on motorcycle insurance: owning a home, taking a safety
course, being a careful rider, and insuring another vehicle along with your
bike (just to name a few).
Like the best roads for riding, life is full of twists and
turns. But, with the right motorcycle coverage, you’ll be ready for almost
anything that comes your way.
[Source: http://blog.esurance.com/motorcycle-insurance-5-things-you-maybe-didnt-know-it-covered/#.Vo9iRbZ97IU]
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