Interactive Planning Approach
At J.S. Braddock Agency we understand how important a motorcycle can be to someone and while you are out enjoying your ride, get some peace of mind with a motorcycle insurance policy. With motorcycle insurance, you will feel better knowing in the event of an accident both you and your motorcycle can be protected with various options.
What are some of the Coverage Options for Motorcycle Insurance?
While liability coverage is often the only coverage required for a motorcycle insurance policy, there are several other coverages available.
Liability Coverage will cover bodily injury and property damage that you may cause to other people involved in an accident, but does not cover you or your motorcycle.
Collision Coverage will cover damage to your motorcycle if you are involved in an accident.
Comprehensive Coverage pays for damages caused by an event other than a collision, such as fire, theft or vandalism. A good thing to take note of is most comprehensive and collision coverages only cover factory standard parts for the motorcycle so if you have a lot of custom parts on your bike, you should look into additional/optional equipment coverages.
Underinsured/Uninsured motorist coverage will cover damage to you and your property caused by another driver who has no insurance or does not have adequate insurance to cover the damages.
Many companies will offer a discount on your motorcycle insurance if you take a training course such as the Motorcycle Safety Foundation rider course.
What optional coverages should I consider for my motorcycle?
While basic liability coverage may be all that’s required, adding extra protection can help you ride with confidence. Collision and comprehensive coverages can help cover repair costs after an accident or from events like theft or weather damage. Uninsured/underinsured motorist coverage helps protect you if another driver can’t cover the damages. Riders with customized bikes should also think about additional equipment coverage to safeguard custom parts. Plus, completing a motorcycle safety course may qualify you for valuable insurance discounts.
Understanding Your Motorcycle Insurance
Your motorcycle represents freedom and adventure — and it deserves the right protection. At J.S. Braddock Agency, we help you find coverage that fits your ride, your lifestyle, and your budget. From liability to comprehensive options, our team makes sure you understand your policy so you can enjoy every mile with confidence.
Protection designed for every ride because your bike deserves the same care you give it.
Liability Protection
Covers bodily injury and property damage you may cause to others in an accident, helping protect you from costly claims or lawsuits.
Collision Coverage
Pays for repairs or replacement of your motorcycle if it’s damaged in a collision, regardless of who’s at fault.
Comprehensive Protection
Provides coverage for damage caused by non-collision events such as theft, fire, vandalism, or severe weather.
Uninsured/Underinsured Motorist Coverage
Protects you and your motorcycle if another driver is at fault but has no insurance or insufficient coverage.
