As much as you take precautions while you’re out riding your motorcycle, you are never completely protected without an insurance policy. Skeele Agency, Inc. helps you in determining the right policy that suits you and your motorbike the best. Because we work with various insurance carriers, we can provide you with the right motorcycle coverage at competitive rates. We provide the following types of motorcycle insurance, including:
- Vintage Bikes
- High-Performance Bikes
Since we understand the importance of choosing the proper motorcycle insurance, our experienced staff strives to educate you on the types of coverage we offer. For you to make an informed choice, we provide you with all relevant information to ensure you make the best decision. We only require some basic information concerning your bike, including the year, make, model, CC’s and any modifications to determine the quote that is suitable for you.
Motorcycle Insurance Coverage
There are various types of motorcycle insurance. At Skeele Agency, Inc., our experienced insurance agents will help you choose the right policy to fit your needs. Listed below are some optional coverages for motorcycles.
Comprehensive and Collision Coverage
If you cause an accident, motorcycle collision coverage pays for the bike repairs or replacement and includes coverage for the damages made to the riding apparel and helmet. Comprehensive coverage pays for any repairs or replaces your damaged motorcycle as a result of an animal, fire or theft.
Total Loss Coverage
If your bike is written off in the event of an accident, total loss insurance repays you the cost to purchase another motorcycle of the same model, make, and the same suggested manufacturer’s retail price. Alternatively, you can purchase a cash value coverage that pays you the current worth of your bike.
Liability Insurance Coverage
In most states, bodily injury and property damage liability insurance is a must have. If you cause an accident with your motorcycle and injure someone else or damage property belonging to someone else, you will be held liable. This insurance protects you from having to pay for the costs arising from the damages you cause. Skeele Agency, Inc. advises you to obtain higher limits of liability insurance, to avoid having to pay out of pocket if you cause an accident.
Uninsured and Underinsured Motorist Coverage
When the weather does not allow clear vision, especially when it’s raining or foggy, it may be hard to spot a motorcycle, and hence the chances of being involved in an accident increase. If an uninsured or an inadequately insured motorist hits you, the insurance coverage comes to your aid. It includes your damaged property, medical bills, lost wages, and any other costs that the at-fault party is liable for. To ensure that you are protected for every loss that may arise, you should choose limits as high as your budget allows.
Roadside Assistance Coverage
You never know when and where your motorcycle will break down, hence the need for towing and labor coverage. This motorcycle insurance policy pays for the towing expenses to the nearest repair shop. If there are labor costs, it pays them in case of the following factors:
- Flat Tire
- Dead battery
- Lost keys
- Mechanical or Electrical breakdown
- Insufficient fluids such as fuel, water, or oil, among others
The process of selecting the best coverage for your bike may be challenging, but all you need is the assistance of Skeele Agency, Inc. in finding the right motorcycle coverage for you.