Malhotra & Assoc. Insurance Has You Covered
Motorcycle insurance protects you and your ride on the road. Our friendly team of recreational vehicle insurance experts can help you craft a tailored package that suits your needs and budget. Our experienced team makes finding the right motorcycle insurance easy. We are devoted to providing you with the personalized care that you need to find the policy that works best for you.
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As with any motor vehicle, you need to purchase motorcycle insurance to protect your liability in the case of an accident. Not only will you need collision coverage, but you will also need bodily injury coverage and personal injury protection to cover the medical bills associated with an accident. Underinsured and uninsured coverage is also a must to protect you in case the driver at fault does not have insurance to pay for your bodily injury or property damage.
Your state may have a coverage minimum for motorcyclists to carry. This will often be around $25,000 in property damage liability, $25,000 per person, and $50,000 per accident for any injuries you cause.
Your motorcycle insurance may include some of the following coverage options:
As you would expect, typical protections offered when you buy comprehensive motorcycle insurance include events such as water, wind, fire, theft, and vandalism. If you’ve taken out a loan to buy your motorcycle, then you might need to buy comprehensive coverage as part of the terms of your agreement.
If you have an accident with an underinsured motorist, you could be left with a bill to cover yourself. If the other party has no insurance at all, then any medical bills could potentially have to be paid by you in their entirety.
This type of protection can cover related costs if you injure a person in an at-fault accident.
This will cover items such as medication and dental care, along with copayments and deductibles from other health insurance policies.
This will give you protection if you have a collision with an object, another vehicle, or person.
If you own a custom motorcycle, you might own expensive accessories, such as saddlebags or backrests. This will provide you with coverage for these additional pieces.
This is slightly different from the accessories option for a custom bike, and it covers things such as specialist tanks or pipes.
Personal Injury Protection is paid out regardless of legal liability and covers specific medical expenses, lost wages, and other damages.
In the event your bike needs a repair following an accident, rental reimbursement coverage can help to pay for temporary transportation, as long as this is needed following a covered event.
This gives you direct assistance in the event of a breakdown that takes place away from your residence and where there is a mechanical failure of note.
Motorcyclists young and old need to protect themselves and others on the road by purchasing motorcycle insurance. Whether you ride it for recreation or every day, motorcycle insurance will cover you and your property to make sure you can ride safely. Speak with an agent at Malhotra & Assoc. Insurance to find the right motorcycle insurance to cover you for any and all situations.
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