Motorcycle Insurance
Numerous states require motorcycle riders to have minimum insurance before they can legally take their bikes on the road, with Florida not being left behind. If you reside within the state, getting the recommended coverage will be a worthwhile decision, helping keep you and other motorists safe while on the road. Below, Bill Nesper Insurance Services Inc. lists motorcycle coverage options to consider getting.
Property Damage Liability
Property damage liability covers 3rd party damage costs when you cause an accident. It will help pay for the repair and replacement costs when you damage other people's vehicles and motorcycles. This cover will pay for the repair costs if you destroy property such as buildings, fences, and storefronts.
Comprehensive Coverage
Comprehensive coverage takes care of your repair and replacement needs when you get into a non-impact accident. Examples of these are theft, vandalism, fire, or hail incidences. This coverage will help fix your motorcycle, depending on the damage incurred.
Collision Coverage
Collision coverage protects you when you get into an impact accident. This could be when you hit objects such as cars, motorcycles, or poles during your daily commute. It allows you to compensate for the repair costs, eliminating out-of-pocket expenses.
Bodily Injury Liability
Bodily injury liability takes care of 3rd party medical costs when you are found liable for an accident. It will pay for other passengers' X-ray fees, consultation expenses, and prescription costs when they sustain injuries in an accident.
Uninsured and Underinsured Coverage
Uninsured coverage pays for damages you incur when you hit an uninsured driver. This allows you to get compensation for your injuries and motorcycle damage costs. Underinsured coverage will come in handy when you get into an accident with a driver whose policy cannot pay for the full extent of your damages. It helps you offset the balance of your damage costs, whether medical or repair expenses.
Motorcycle insurance will be your go-to if you want a solution to keep you safe during your commute within Florida. Make it a point to contact Bill Nesper Insurance Services Inc. today to discuss your coverage needs.
