Motorcycles are one of the most unique driving experiences in the world. It’s just you and the road and that freedom that you get from having that openness with the wind blowing through your hair. Having this freedom protected with insurance is a requirement in Arizona as you are legally obligated to have a certain amount of bodily injury/death per person and property damage coverage. These amounts are extremely small in comparison to real-world requirements, so many riders opt to have additional coverages included in their motorcycle policy. You can discuss motorcycle coverages and more at Old Pueblo Insurance in Oro Valley, AZ. Here are some additional coverages that are available for motorcycle enthusiasts.
Uninsured Motorist Coverage
You can get individual coverages (bodily injury, property damage) within this scope of coverage as this type of insurance will cover you under the unlikely scenario of being in an accident with a motorist who doesn’t have insurance.
This is not “insurance” in the traditional sense as it’s coverage that helps you in case of emergencies. Can’t start your motorcycle up due to a dead battery? Flat tire? Ran out of gas? Etc. This assistance will send a tow truck driver out to help you and your bike get back out on the road. If your bike isn’t serviceable at the roadside, then your motorcycle will be towed to the nearest service department for repair.
Replacement Cost Coverage
This addition works similarly to Gap Insurance in that your coverage will pay for a brand new bike in the scenario of a total loss accident of a motorcycle three years or newer.
Reimbursement For Rental
When your motorcycle is on the shelf getting repaired, you need transportation in the meantime. Reimbursement coverage will reimburse you for your out-of-pocket expenditures on rental motorcycles. They can also set up a rental agreement and pay for it before your rental need arises.
To Learn More
These are just some of the additional coverages that you can get as there are plenty more where that came from! If you’d like to learn more about motorcycle insurance and additional coverages, please contact Old Pueblo Insurance in Oro Valley, AZ today!