For bike riders, the road is the only thing that can have twists and turns; life can, too. As fun as it is to cruise on two wheels, owning and riding a motorcycle, has its risks. Here at Neeley Insurance, we understand the unique coverage needs of riders here in Arizona. Our team works hard to find a policy that fits like a glove and give you the security of knowing we’ve got your back when you need us the most. With the right motorcycle insurance, you can focus on what really matters – the road ahead.
Types of Motorcycle Insurance Coverage
Just like there are many different types of motorcycles, there are also many different types of motorcycle insurance coverages. We here at Neeley Insurance can help explain your options and offer recommendations for reducing your vulnerability to risk. Some of the most common motorcycle insurance coverage types include:
If you cause an accident while riding your motorcycle, you can be held financially responsible for any injuries and physical damages it caused. Liability insurance can take care of victim medical expenses and lawsuits brought against you for the losses you caused up to the limits of your policy.
Collision and Comprehensive Insurance
If your bike is stolen, lost, or damaged due to a collision or other event, your collision and comprehensive insurance can take care of the loss. You pay only your deductible, and your insurance takes care of the rest up to the limits of your policy.
Medical Payments Coverage
There is nothing like the peace of mind that comes with knowing your medical expenses would be covered if you were in an accident. Regardless of who is at fault in a collision, medical payments coverage will pay benefits to be used for medical bills, health insurance co-pays, and health insurance deductibles.
Underinsured and Uninsured Motorist Protection
What would happen if you were hit by an uninsured driver? What if the driver had insurance, but it wasn’t enough to cover your losses? Underinsured and uninsured motorist protections are available to help you pick up the pieces when there is no third-party insurer to fall back on.
OEM Parts Coverage
If your motorcycle were damaged in an accident, would you prefer repairs using original equipment manufacturer parts? If so, you can request OEM parts coverage that assures you will receive original manufacturer parts instead of aftermarket parts whenever possible.
Trip Interruption Insurance
If a mechanical breakdown puts a damper on your road trip, your insurance can help you keep going without missing a beat. With trip interruption insurance, you will have access to emergency food, lodging, and replacement transportation whenever you need it.
Towing and Emergency Assistance
When you find yourself stuck on the side of the road with a flat tire, look to your insurance policy for emergency assistance. From dead batteries to lost keys, you will have access to the help you need 24/7 when you are in a pinch.
Motorcycle Insurance Discounts
We know you would rather be spending your hard-earned cash on customizing your bike instead of high insurance premiums. As an independent agency, it is our job to shop around for affordable coverage that fits your budget without sacrificing your future and safety. We can also help you find important discounts that could lower your costs, such as:
- Multi-vehicle discount (when you also purchase coverage for other motorcycles or vehicles in your household)
- Multi-policy discount (when you also purchase coverage for other assets, such as a home)
- Safe rider and claims-free discounts (when you have no history of recent traffic violations or claims)
- Rider education discounts (when you complete an approved motorcycle safety course)