How Do I Choose The Right Motorcycle Insurance Coverage For Me?

Motorcycle insurance is a critical piece of the safety puzzle regarding riding. But with the different coverage options available, it can be hard to know which one is right for you. This blog post will break down each type of motorcycle insurance coverage and help you figure out which is best for you. Let’s get started!

Consider Your State’s Minimum Coverage Requirements

The first step in choosing the right motorcycle insurance coverage is considering your state’s minimum coverage requirements. Each state has different laws governing the minimum amount of insurance required to operate a motorcycle, so it’s important to know what your state requires before you start shopping around. In general, most states require some combination of liability, collision, and comprehensive insurance.

Liability insurance is the most basic type of motorcycle insurance, and it covers damage you cause to other people or property while operating your motorcycle. Collision insurance covers damage to your bike caused by an accident with another vehicle or object. Comprehensive insurance covers damage to your motorcycle caused by factors other than collision, such as theft, fire, or weather damage.

Some states also require uninsured/underinsured motorist coverage, which protects you if you are involved in an accident with a driver who does not have insurance or does not have enough insurance to cover the damages they caused. Get these policies from a reputable insurer such as Hedgepeth-Hutson Insurance Services Inc in Nashville, NC.

Decide How Much Coverage You Need

Once you know your state’s minimum coverage requirements, you can decide how much coverage you need. This will depend on several factors, including the value of your motorcycle, your riding habits, and your personal financial situation.

If you have a newer or more expensive motorcycle, you’ll likely want to get more coverage than the minimum requirements. If you ride frequently or in areas with a lot of traffic, you may also want to consider getting more coverage than the minimum.

Conclusion

Choosing the right motorcycle insurance coverage can be a difficult task, but it’s an important one. If you’re still unsure, talk to us at Hedgepeth-Hutson Insurance Services Inc in Nashville, NC. We’re happy to help you find the right coverage for you. Give us a call today.

Understanding Motorcycle Insurance Terminology in North Carolina

Like auto insurance motorcycle insurance in Nashville, NC has mandatory minimum requirements, but this is often not enough for motorcycle riders in North Carolina. Your bike is a dream come true, and it is something that you want to protect. You need to protect yourself as well.

In the event of a collision, you want to protect both your body and your property from financial loss. At Hedgepeth-Hutson Insurance Services Inc. we can help you to understand the terminology in your motorcycle insurance policy.

Motorcycle Insurance Terminology 

Minimum motorcycle insurance coverage will cover you for medical expenses and property damage.  You may want additional coverage, and should know exactly what you are and aren’t covered for in the event of a problem at your home.

  • Bodily Injury Liability: This is a standard for motorcycle insurance, and covers you if you are legally responsible for someone else’s injury or death after a collision.
  • Medical Payments: This coverage will provide excess medical payments for medical costs that are in excess of what standard medical coverage provides after an accident.
  • Comprehensive Insurance: This will cover you for all damages or losses incurred by acts that aren’t collision-related, such as fire, vandalism, or theft.
  • Passenger Liability: When you are responsible for a collision, this coverage will pay for all costs related to injury, illness, or death to other parties.
  • Property Damage Liability: When you are at-fault in an accident, this will cover property losses and damages to other parties.
  • Accessories and Special Parts: This coverage will replace any accessories that you have put on your bike in the event of damage or collision. That could include chrome, gear, fairings, windshields, and more.

Get a Quote

When you ride a motorcycle in Nashville, NC, you know that you already have higher risks on the road. At Hedgepeth-Hutson Insurance Services Inc. we want you to feel protected against all risks when you are enjoying the freedom a motorcycle brings. Call us for a quote today.

Do You Need Motorcycle Insurance in North Carolina?

In North Carolina, to ride a motorcycle, you must have a motorcycle endorsement and have at least liability insurance coverage. While a liability insurance policy is good to have anyway, it may be vital for you to have more insurance to protect your investment in the bike you love to ride. Here are some different types of motorcycle coverage options that are available for you to choose from.

Liability Insurance

Liability coverage will pay a certain amount for injuries sustained by others in an accident deemed to be your fault, along with any property damage that occurs as the result of the accident. Many times, your liability policy will be in effect even if someone else is driving your bike at the time of the crash.

Uninsured and Underinsured Motorist Coverage

This type of coverage will help pay for the repairs to your bike if you are involved in a crash with a driver who does not have any insurance coverage or who does not have enough insurance to cover the damages or injuries that occur in an accident.

Medical Payment Coverage

This type of coverage will help pay for medical bills and funeral expenses if injuries or a death occurs in an accident deemed to be your fault. For example, if you are cruising down the road on your bike, and you suddenly hit a person walking around the street in a crosswalk, your medical payment coverage will help to pay their medical expenses.

Collision Insurance

This policy will cover your motorcycle if you collide with another vehicle, motorcycle, or object. If you lose control of your bike and hit someone’s garage door and the door is damaged, this part of your policy will help to repair or replace their garage door.

Comprehensive Insurance

This type of coverage is critical in protecting your investment in your bike. If you obtained a loan to purchase your motorcycle, this type of policy would protect the investment of your lender on your bike. It will cover to repair or replace your motorcycle if it is damaged by a fire, theft, vandalism, or a natural disaster, such as a tornado or hail storm.

To create a motorcycle insurance policy that works best for you and your situation, you will need to enlist the assistance of a trusted insurance agent. The insurance agents at Hedgepeth-Hutson Insurance Services Inc.in Nashville, NC are ready to assist you with all of your motorcycle insurance needs, so call for an appointment today!