Monthly Archives: February 2017

Consumers Should Ask Their Insurance These Questions Before Purchasing a Motorcycle

When you decide to purchase a motorcycle, there are a lot of questions you need to ask to ensure you make the right decision. Some of the most important questions you need to ask is in regard to your insurance. It is mandatory that you have the right insurance covers for you to be allowed to operate. Motorcycle insurance should be varied and it is also advisable to customize it just as the motorcycle itself. To ensure that you get the best results from your insurance, a lawyer will be of great help to you. A good attorney will offer you legal advice on the best advice on what to expect from different insurance policies and steps you should take when making claim. For advanced legal advice click right here for more information. In addition, it is good to ask your insurance these questions before buying a motorcycle.

What are the requirements of my state?

This is a very vital question because states have different requirements. In most states, you are supposed to have a minimum amount of liability coverage. It is paramount that you understand all the legal requirements for your motorcycle insurance.

Will the liability incorporate guest passenger cover?

In case you cause an accident, the normal liability insurance cover assists in payment of medical and hospital bills or damages you are held liable. A guest passenger liability coverage goes beyond to cover even the passenger on your motorcycle. It is important to understand this in order to make the right decision on the best cover to purchase.

Does the insurance policy cover replacement costs?

You need to ask this question because there are some insurance covers that do not cater for the replacement costs. Whether the cover will cater for the replacement costs should be determined by the policy or your insurer. Most insurers make payment of replacement cost of motorcycles that are less than one year old. They might also do so just for certain models or makes.

Does the insurance policy cover custom parts and accessories?

If you would like to personalize your motorcycle, you need to confirm if the insurer offer a cover that will cater for custom parts. In most cases the standard coverage does not cater for custom parts. It is good to understand this so that you can purchase an additional coverage for the customized parts. There are also policies that cover for stolen or damaged apparel including gloves, helmet and boots at no additional costs.

Do you offer medical coverage?

It is good to work with an insurance firm that offers medical care policy. This is a policy that covers for all the costs within a certain limit. This caters for the care that you receive resulting from motorcycle accident no matter whether you are at fault or not.

Is there road side assistance?

When you are involved in an accident, you might need assistance in towing your motorcycle to the nearest repair shop. You need to ask this question in order to understand if the cover you want to take will cater for this and other emergency services. It is important to work with an insurer with policies that cover for road assistance because at one time or the other you will need such help.