For most motorcyclists, safety is a high priority on the road, hence the need for motorcycle insurance. If you are a resident of Wilkes-Barre, PA in need of responsive and reliable motorcycle insurance, there are some important questions you might have in mind. The Shay Agency helps answer your questions and advise on the right insurance coverage that fits your needs and budget.
The following are some of the commonly asked questions about motorcycle insurance that are beneficial in helping secure the right coverage:
What Is the Average Cost of Motorcycle Insurance Coverage?
Motorcycle policies have varying rates depending on the state, the bike, and the insurer. In some states, insuring motorcycles is mandatory, while in others, it is not. In case of accidents, you are liable for compensation depending on your chosen coverage plan. As a result of the varying motorcycle insurance prices, it’s vital to take precautions to minimalize insurance costs by taking safety courses and consulting with insurance experts regarding discounts.
Why Is Motorcycle Insurance Important?
Ideally, motorcycle drivers are high-risk drivers who could easily get into accidents. Motorcycle insurance is an essential requirement by most state laws to protect everyone on the road in the event of an accident. If you have property damage liability coverage and bodily liability coverage, you are protected from losing your assets following an unexpected accident. If you get sued, the minimum coverage helps in covering court costs.
What Is Full Coverage Motorcycle Insurance?
This refers to the maximum amount of coverage a motorcycle can have, and it varies depending on the motorcycle type and state-specific laws on insurance. Most insurance policies are inclusive of; collision and comprehensive coverage, liability, medical payments, roadside assistance, and uninsured motorist coverage.
Motorcycle insurance policies are confusing to most motorcyclists, so it’s best to know the variation in coverage plans to minimize your insurance rates and protect your rights. For residents of Wilkes-Barre, PA with any insurance queries, contact The Shay Agency for expert advice.