Every rider in San Antonio, TX needs motorcycle insurance. Most people don’t pay attention to the policy until they need to know if something’s covered, though. Instead, it’s important to learn how these policies work before a disaster destroys your bike.
Types of Coverage
There are various levels of coverage available for bikes. Most companies, such as Shavano Insurance Agency LLC, offer all of them, but it’s always important to speak with an agent to confirm. Types of coverage include:
Liability: This policy provides coverage for the other person’s property damage or bodily injury if you’re at fault for the accident. It may provide coverage if the other person is uninsured or underinsured. It doesn’t cover damage to your bike or damage from natural disasters.
Collision: Collision coverage can help pay for damage to your bike caused by a collision with another vehicle or a stationary object, such as a telephone pole. Many companies also include hitting an animal. It doesn’t cover weather-related damage, theft, or vandalism.
Comprehensive: Comprehensive policies provide coverage for damage caused by events other than collisions, such as weather-related incidents, falling objects, fire, theft, and vandalism. Some companies cover damage from hitting an animal under these policies, rather than under collision coverage. It’s important to ask an agent at Shavano Insurance Agency LLC whether this is covered if you’re worried about hitting a deer. Having the right level of coverage is also essential to protect against tornado damage.
Covered Perils
Most companies have a list of covered perils (events) and exclusions. Companies may require owners to purchase additional coverage for specific natural disasters, such as flooding or tornadoes.
Always take the time to ask an agent about policy coverage and limits, rather than assuming your bike is always covered. Our agents will happily answer any questions you have. We’re currently serving the San Antonio, TX area. Contact us today!
