Mountain View Insurance – Motorcycle Insurance
Motorcycle Insurance allows protection for yourself and your bike. Obviously, you are more vulnerable while riding a bike – so insurance policies give you options to protect yourself as well as the motorcycle.
The basics of vehicle insurance hold true for Motorcycle Insurance such as bodily injury liability, property damage, comprehensive, and collision coverage. But there are often unique coverage options to consider such as the following
- Custom Equipment
- OEM Endorsement
- Safety Apparel Coverage
Motorcycle Insurance – Custom Equipment Coverage
Consider this optional coverage if your motorcycle has custom features such as chrome, custom paint, sidecars, and other add-ons not originally provided from the manufacturer. Every insurance carrier is different but the usual amount of coverage can be an additional $3,000-$4,000.
Motorcycle Insurance – OEM Endorsement Coverage
The OEM endorsement coverage is usually reserved for vehicles 10 years or younger and allows for any repair parts be supplied by the Original Equipment Manufacturer, hence “OEM”.
Motorcycle Insurance – Safety Apparel Coverage
Some insurance companies offer the Safety Apparel Coverage which allows up to $1,000-$1,500 of coverage for any clothing damaged in a accident. Items such as gloves, goggles, and vests are typically endorsed with the coverage,
Motorcycle Insurance – Other Considerations
Personal Injury Protection also known as PIP coverage is a foundation coverage on most vehicle policies. It provides some coverage if you are hurt in an accident. There is an optional coverage that compliments PIP known as Medical Payments. Many of our clients consider adding this to their policy because it provides more coverage on top of the PIP coverage.