Motorcycle Insurance
Motorcycle Insurance
Just like a car, a motorcycle requires liability insurance in the state of California. The uninsured/underinsured limits option is more important than ever with motorcycle insurance. Chances are that you have swerved out of the way to avoid colliding with a pedestrian or another vehicle; right? If so, you will want to have high limits for this coverage in case that person keeps driving off or runs away. I hate to break it to you, but the chances of having more bodily injury during a motorcycle accident is much higher. Be prepared with enough insurance for any type of situation. .
If you're motorcycle is valuable, we can offer full coverage insurance with roadside assistance options. Full coverage would be a good choice if you are worried about the financial ramifications from your motorcycle getting vandalized while parked or damaged during an accident. Protect your dream bike with one of our top insurance carriers that have excellent rates, and impeccable claims service. Our California Auto insurance carriers provide coverage for all original parts and equipment installed at the factory when you're pride and joy was originally assembled. A lot of the time, auto body shops use old parts to fix your bike. Make sure you check your bill of sale to make sure that new parts are being used. Don't worry if you spent a lot of your hard earned money on after-market parts and accessories. We can offer up to $30k in accessory coverage.
We can insure any type of motorcycle, including:
- Moped
- Scooter
- Segway
- Trike
- Snowmobile
- Dirt Bike
- motocross
- Sport Touring
- Street Sport
- Cruiser
- Classics
- High performance
- ATV
- Golf Cart
- 3 wheel alternative vehicles
Available Discounts:
ClaimInsurance Free Renewal : Receive an discount if you have no at-fault accidents during your previous policy period.
Homeowner : Get a discount on your motorcycle policy if you own your own home.
LoJack : Receive a discount if your bike is equipped with LoJack for even more affordable motorcycle insurance.
Paid in Full : Pay the full amount of your policy when it renews and receive a discount just for doing so.
Prompt Payer : Pay on time for a year and receive a discount when your policy renews.
Responsible Driver : No accidents or violations on your driving record for the last three years translates to a discount.
Safety Course : Completing an approved safety course could earn you a discount.
Insurance Lingo:
Liability: Required insurance coverage in order to drive in the state of California. Your insurance company pays for the damage caused to others if you are at fault in an accident, including the services of an attorney to defend you if you are sued after an accident. Bodily injury liability that covers the medical bills of the person that you hurt in an at-fault auto accident. Property damage liability covers the property you damage during an accident. Example, damage to another vehicle that you were found at fault for.
Uninsured/Under insured Motorist: This coverage pays for bodily injury to you and other drivers or passengers of your insured vehicle for accidents caused by uninsured/underinsured drivers. Uninsured drivers are driver that have no insurance. Underinsured drivers that have low liability insurance limits that don't fully cover your medical bills or your auto repair costs.
Collision: Covers damage to your vehicle incurred as a result of a covered accident, regardless of fault in the collision. A deductible will be deducted from the total insurance payout of a collision claim. Example, you are at-fault in an auto accident and there is damage to your vehicle.
Comprehensive: Protects you in the event your vehicle is damaged due to theft, vandalism, flood or other covered perils. A deductible will be deducted from the total insurance payout of a comprehensive claim. Example, your car is stolen while parked on the street.
Medical Payments: covers you and your passengers when you are injured, no matter who was at fault in the accident.This coverage pays for the upfront medical costs that you may incur when seeking medical attention following an automobile accident. Without medical expense coverage, bodily injury claims are not paid out until all services are rendered. Example, Its been two months into chiropractic therapy and your already receiving bills from your doctor.
Rental Reimbursement: This coverage pays for the daily expense of renting a vehicle while your car is in the shop following an auto collision. Rental reimbursement insurance has various options on the daily car rental price. You are able to use any car rental agency of your choosing. There is usually a limit of 30 days of coverage for rental reimbursement.
For a free consultation on figuring out what mercury plan would work best for you,
Call our Toll Free Number 877-786-8320.
Daniel Masarsky
Insurance Broker
2085 Van Ness Ave
San Francisco, CA 94109
B 415.440.5136
F 415.440.5139
C 415.300.0902
Daniel@Insurance415.com