Purchasing a motorcycle offers the perfect opportunity for a cross-country ride. However, understanding the type of insurance coverage needed for such a trip can be overwhelming. Hastings Insurance Agency LLC staff in Tomball, TX, can clear up any misconceptions and offer tips on insuring your motorcycle for such a journey.
Adding Liability Coverage to Your Motorcycle Insurance Policy
To correctly insure your motorcycle for a cross-country ride, you need to customize your insurance policy. Your first move should be adding liability coverage. It covers all damage and injuries caused to another party if you are found responsible for a road accident. Liability coverage includes all medical bills, property damage (vehicle and personal), and all legal fees associated with a pending lawsuit filed by the other party. Remember that it will not cover any damage to your motorcycle or any injuries resulting from the accident.
Collision Coverage Protects Your Cycle
It is important to have collision coverage on your motorcycle insurance policy. It protects your cycle if damaged during a road accident. Collision coverage assists with repairing or replacing motorcycles if they are deemed damaged beyond repair. No delays will occur, regardless of which party is at fault for the accident. It does not matter if you collide with a vehicle or hit an unmovable object near the road. However, collision coverage will not cover your medical bills or replace the cycle’s customized parts. Instead, they will be replaced with factory-issued parts from the manufacturer.
Having the right motorcycle insurance policy while on a cross-country ride removes the stress associated with being involved in a road accident. The staff at Hastings Insurance Agency LLC in Tomball, TX, can assist with creating coverage that meets your insurance needs. Call and schedule an appointment today.