Motorcycle Insurance FAQs

Do you need insurance for a motorcycle?

Generally, yes. It’s like car insurance; most states require it. The specifics can vary, so it’s best to check your state’s laws. The bottom line: Better safe and insured than sorry.

How much is motorcycle insurance?

Wondering about the cost of protecting your motorcycle? It’s a mixed bag. Your ride’s type, your driving history, where you live, and your coverage choice all factor in. The strategy? Shop around and find the best deal for your situation.

Does motorcycle insurance cover theft?

If you’ve got comprehensive insurance, you’re covered for theft and other non-collision issues. What to do? Make sure you have comprehensive coverage in your policy.

What does motorcycle insurance cover?

It’s not just for accidents. Expect coverage for bodily injury, property damage, damage to your motorcycle, theft, and medical bills. The pro tip? Know your policy inside out to maximize its benefits.

Is motorcycle insurance required in Florida?

In Florida, motorcycle insurance isn’t mandatory for registering your bike. But, if you’re in an accident and there are injuries, guess who’s responsible? You. Smart move? Get that insurance for financial safety.

Does motorcycle insurance cover other riders?

Curious if your motorcycle insurance covers friends riding your bike? It varies by policy. Best course of action? Check with your insurer to confirm if guest riders are included.

How to buy motorcycle insurance?

Ready to get insurance for your motorcycle but not sure how? First, figure out what coverage you need. Then, compare different insurers’ quotes, keeping an eye on coverage options and discounts. The aim? Get the right protection at the right price.

Can I get discounts on motorcycle insurance?

Looking to save some bucks on motorcycle insurance? Yes, discounts are often available for various reasons like completing a safety course or installing anti-theft devices. The move? Ask insurers about discount opportunities.

What factors affect motorcycle insurance rates?

Curious about what drives your motorcycle insurance rate? Key factors include your age, driving history, type of bike, location, and the coverage you choose. To keep rates down? Maintain a clean driving record and consider a less sporty bike.

Is liability insurance enough for my motorcycle?

Wondering if just liability insurance cuts it for your motorcycle? It covers damages to others but not your own bike. Want more comprehensive protection? Consider adding comprehensive and collision coverage to your policy.

How does the type of motorcycle I ride affect my insurance rates?

Think your bike type doesn’t affect your insurance rates? Think again. Sport and high-performance bikes typically cost more to insure than cruisers or tourers. What to do? Choose your ride wisely with insurance costs in mind.

What should I do if my motorcycle is involved in an accident?

If your motorcycle’s involved in an accident, first ensure everyone’s safety. Then, call the police if necessary, exchange info with the other party, document the scene, and contact your insurer to file a claim. The key? Stay calm and act methodically.

Are custom parts and equipment covered in motorcycle insurance?

Got a bike with custom parts? Standard insurance policies might not cover these. Your best bet? Check with your insurer and consider additional coverage for your customizations.

Do I need uninsured/underinsured motorist coverage for my motorcycle?

Wondering about uninsured/underinsured motorist coverage for your bike? It’s a smart add-on. It protects you in case the other guy lacks adequate insurance. The advice? Better to have it and not need it, than need it and not have it.

Still have questions? Speak to a Univista Insurance expert now.

Let us simplify the complexities and tailor solutions perfectly suited for you.

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