Motorcycle / ATV Insurance
Motorcycles and ATV's are motorized vehicles just like autos. However, motorcycles cannot normally be added to an auto policy so you will need to purchase a separate motorcycle policy. The same primary coverages that are available for auto insurance are identical for motorcycles and ATV's such as liability, uninsured/underinsured motorist, medical payments, comprehensive, collision and towing or roadside assistance. However, there are a few other factors to consider when insuring these vehicles:
- Many riders add custom parts and equipment to their bikes and this can run into thousands of dollars of added equipment. Some examples of custom equipment or parts includes chrome accessories, wheels, custom paint, saddlebags, windshields, engine modifications, sidecars and safety riding apparel and helmets. Some companies do not provide any coverage for this and some give you, say, $1,000 add-on equipment as part of the policy. You can increase the coverage on your motorcycle policy for an additional premium. You just need to give us the total and we'll add it on for you.
- Many people have trailers used to haul their cycles. In some cases, the trailer can be added to the motorcycle policy and in other cases, it can be added to the auto policy. Trailer's are not automatically covered unless they are insured.
- Many people think ATV's are covered under their homeowner's policy since they are not required to be licensed - that is only true if the ATV is used to "service your property". Since most of us don't live in a home on many acres where we need a vehicle to service our property, your ATV needs to be insured separately to be covered.