For most motorcycle owners, life is simply better on two wheels. If you prefer hopping on a bike and cruising with the wind in your hair, you need insurance that is with you no matter where the road may lead. Here at Insurance Broker Direct, we help riders like you find the coverage you need to protect yourself, your motorcycle, and your financial security when life throws you a speed bump. Whether you have a sporty street bike or a flashy custom chopper, we have the coverage you need to insure your ride.
Types of Motorcycle Insurance Coverage
You will have many coverage options when building your motorcycle insurance policy. Just like your bike, you can customize your coverage to fit your needs. The team here at Insurance Broker Direct can explain the various types of coverage, answer any questions you may have, and provide recommendations for minimizing your risk exposure. Some of the most common motorcycle insurance coverage types include:
Liability Insurance
Riding a motorcycle requires your complete attention, but regardless of how safe a rider you are, it only takes one mistake to cause an accident. If you hit another vehicle or a pedestrian, you can be held responsible for the injuries and property loss stemming from the collision. Liability insurance helps protect your assets and income if you are sued for damages, and it can also help you pay for legal fees during litigation.
Collision and Comprehensive Insurance
Accidents happen, and the results aren’t pretty. If your bike skids across the road, she’ll need a serious facelift. Collision insurance can take care of damages to your bike caused by a collision, and comprehensive insurance can take care of loss or damages caused by nearly anything else. From hail damage to theft, we can build a policy that will have you riding again like nothing ever happened.
Medical Payments Coverage
We hope you and your bike never meet the pavement, but in case you do, medical payments coverage can help alleviate the medical expenses you incur for your injuries. This type of coverage pays benefits regardless of who was at fault and can be used to help cover medical bills, co-pays, and health insurance deductibles.
Underinsured and Uninsured Motorist Protection
It’s no secret that riding a motorcycle increases your risk of being hit by an inattentive driver. Unfortunately, many drivers are cruising Indiana roads with inadequate insurance or no insurance at all. If you are the victim of an accident with an uninsured or underinsured driver, your insurance can give you peace of mind knowing you are covered.
OEM Parts Coverage
A brand new bike is outfitted with original manufacturer parts, but sometimes insurance only covers repairs using after-market components. If you prefer OEM parts, talk with your agent about adding this valuable coverage to your policy.
Trip Interruption Insurance
Imagine being in an accident or experiencing a breakdown more than 100 miles from home. Who will you call to lend you a hand? With trip interruption insurance, a minor setback doesn’t have to slow you down. We can provide a policy that takes care of your food and lodging, as well as your replacement transportation costs.
Towing and Emergency Assistance
Running out of fuel on a road trip can be a scary experience. Look to your insurance coverage for help when the nearest fuel station is miles away and walking just isn’t an option. Whether you need a tow or help replacing a flat tire, we have coverage that will ride with you wherever the road leads.
Motorcycle Insurance Discounts
Why spend more on quality motorcycle insurance when an independent agent can find a more competitive price for the same coverage? At Insurance Broker Direct, we put your needs first and will always work to find high-quality motorcycle insurance that easily fits your budget. We can also help you find helpful discounts, such as:
- Multi-vehicle discounts
- Multi-policy discounts
- Safe rider discounts
- Claims-free discounts
- Rider education discounts
For more information about Indiana motorcycle insurance or to request your free quote, contact Insurance Broker Direct today.
