Insuring a motorcycle in Emmaus, PA provides coverage for all different types of motorcycles. However, knowing and understanding the various forms of coverage to purchase can sometimes be a bit confusing. Patrick McNealis Insurance and Financial Group experts understand purchasing insurance can be overwhelming and are ready to help when needed.
Below are some FAQs associated with purchasing motorcycle insurance:
Is buying more than the legal limit of motorcycle insurance a good idea?
As with any insurance policy, the greater the coverage, the better protected you are. The more coverage purchased means premiums will be higher, but this reduces the financial responsibility in the event of an accident or theft.
Is motorcycle insurance similar to car insurance?
Motorcycle and auto insurance do work similarly. There is a set premium, and when an accident occurs, you file a claim. The insurance company pays based on the limits outlined in the individual policy.
Is motorcycle insurance needed?
Anything can happen when on the road and while your motorcycle is parked. Because there is a risk to owning and riding a motorcycle, having insurance coverage is best to protect your financial interest.
What coverages will pay for damage to custom parts?
Comprehensive coverage typically covers the costs associated with theft. However, motorcycles with custom parts and equipment may require additional coverage. When adding custom parts to a motorcycle, let your insurance agent know. Adding the upgrades to the policy ensures the upgrades are covered in the event of theft or an accident.
Are passengers covered on my insurance policy?
Asking if passengers are covered is an important question that can only be answered based on the type of coverage included in the motorcycle insurance policy. Speak with your agent to discuss coverage for passengers to be included in your policy.
Patrick McNealis Insurance and Financial Group experts understand that motorcycle owners have many questions about their insurance coverage in Emmaus, PA. So give them a call today to get all of your insurance questions answered.