Washington Motorcycle Insurance Tips
Choosing the right insurance policy is much like choosing the right motorcycle. You want it to fit your needs and lifestyle, but at the same time be within your budget. Although most states require you to carry a minimum amount of liability coverage, other types of coverage are usually optional. Always ask your insurance agent or company representative which laws apply in your state.
Liability insurance covers bodily injury and property damage that you may cause to other people involved in an accident. It doesn't cover you or your motorcycle. Find out if your coverage includes Guest Passenger Liability, which provides protection in the event that a passenger is injured on the motorcycle. Whether or not this is included depends on the laws of your state and the company issuing the policy.
Collision insurance covers damage to your motorcycle if you are involved in an accident. Your insurance company pays for damages, minus your deductible, caused when you collide with another vehicle or object. Collision insurance usually covers the book value of the motorcycle before the loss occurred.
Comprehensive coverage pays for damages caused by an event other than a collision, such as fire, theft or vandalism. However, just like collision coverage, your insurance company will pay for damages, minus your deductible, and will cover only the book value of the motorcycle.
Keep in mind most comprehensive and collision coverages will only cover the factory standard parts on your motorcycle. If you decide to add on any optional accessories such as chrome parts, a custom paint job, trailers or sidecars, you should look into obtaining additional or optional equipment coverage.
Uninsured/Underinsured Motorist Coverage
Uninsured/underinsured Motorist Coverage covers damages to you and your property caused by another driver who either doesn't have insurance (uninsured) or doesn't have adequate insurance (underinsured) to cover your damages.
This coverage typically pays for medical treatment, lost wages and other damages. If your uninsured/underinsured motorist coverage includes property damage, then your motorcycle would also be covered under the same circumstances. Check with your insurance professional to see if property damage is included or needs to be purchased separately.
At Craven Insurance we offer you the flexibility of shopping for and purchasing insurance on-line, over the phone or in person at one of our office locations. Whatever your choice you will be dealing with experienced licensed insurance agents that work for you, not for the insurance companies. And you can mix and match, get a quote on-line and then make a personal appointment with one of our agents to review your options.
Most of our company providers offer payment options including EFT, debit or credit cards, or pay in person at one of our offices. After you have become a client you will have your own agent who is familiar with your account, with back up from the rest of the Craven Insurance team. We offer car, home, renters, umbrella, recreational vehicle, valuable items, and boat insurance from companies that are strong and stable. Significant account credits are available for combining policies with one company.