Understanding Your Motorcycle Coverage

Motorcycle riding is synonymous with freedom, and millions of people have chosen this method of transportation. However, motorcycle riding involves a certain amount of risk, and insurance coverage is required in every state to cover the costs of damage to property and bodily injury. At Bingham Insurance in Braselton, GA, we can help you get the motorcycle coverage you need.

Basics of Motorcycle Insurance Policies

Motorcycle insurance is available in several levels of coverage. Most states require a certain amount of liability coverage similar to that for automobiles. However, you can choose additional coverage, such as collision insurance that pays out for damage to your vehicle, comprehensive insurance that covers other hazards that can occur, guest passenger insurance, and custom parts insurance. Some of these coverages require a deductible amount before reimbursement, while others do not. We can provide information on each of these additional features.

What Does Motorcycle Insurance Cover?

Most states require a certain amount of minimum bodily injury coverage per person or accident. Liability coverage for damaged property is also required. You may also need coverage for medical expenses resulting from an accident and uninsured motorist coverage. These are generally the lowest cost premiums. You can also add collision and comprehensive coverage to ensure your bike is repaired in case of covered incidents, including theft, fire, and other hazards. You may choose coverage for winter months, during which you don’t ride your motorcycle. Motorcycles with extensive custom features may require special insurance coverage.

Choose Bingham Insurance for Your Motorcycle Coverage in Braselton, GA

Motorcycle insurance is mandatory, and you may have many questions about the coverage needed. We can answer your questions with detailed information that is presented in a clear, understandable manner. Contact Bingham Insurance Group today for a no-obligation quote on motorcycle insurance to keep you covered during your travels.

Do I Have to Have Motorcycle Insurance?

Motorcycle insurance is required in almost all 50 states, although the type of coverage required varies. At Bingham Insurance Group in Braselton, GA, we offer the motorcycle insurance options you need. 

Legal Requirements for Motorcycle Insurance

Georgia requires all owners or operators of a motorcycle to carry liability insurance. Liability insurance will cover property damage and injuries to others if you are found at fault in an accident.

Georgia requirements include $50,000 total bodily injury or death per person per accident and $25,000 property damage coverage per accident. You may choose higher coverage limits if you wish.  

Full Coverage Motorcycle Insurance

Full coverage motorcycle insurance isn’t required by law. However, it may be required by your lender if you have a lien on your motorcycle. Full coverage insurance consists of collision and comprehensive coverage. 

Collision insurance will pay to replace or repair your motorcycle if you are in an accident, even if you are at fault. This is particularly important if your bike is valuable or you can’t pay to replace it if it’s damaged. 

Comprehensive coverage covers damage that doesn’t occur when driving your motorcycle. This includes covers vandalism and theft. This is important since motorcycles are smaller and more accessible to steal than passenger vehicles. This can also cover any accessories that are on your bike. 

Additionally, comprehensive coverage covers accidental damage when your bike isn’t in motion. For example, comprehensive coverage will pay for the repairs if a tree limb falls onto your motorcycle. 

Are Passengers Covered? 

This depends on your policy. Some policies will cover passengers, while others may only cover you as the operator. You should speak to your insurance provider to be sure. 

Motorcycle Insurance at Bingham Insurance Group 

If you need motorcycle insurance in Braselton, GA, contact us at Bingham Insurance Group. We offer the motorcycle insurance options you need to keep you and your investment protected. 

Motorcycle Insurance Myths To Watch Out For

Bingham Insurance Group offers coverage to the Braselton, GA community. We offer our clients flexible policies so that they can protect what matters most. We work with multiple carriers in the area to help give our clients a wide variety of choices. We are confident that we can help you find the coverage you need to protect your assets.

Motorcycle Insurance Myths to Watch Out For

During warm summers in the South, many Braselton, GA residents enjoy traveling around the area on their motorcycles. If you plan to have fun traveling around on your motorcycle, consider motorcycle insurance. Operating a motorcycle is a high risk endeavor. One small accident can turn into a disaster. Motorcycle insurance covers potential damage if you are involved in accident or if you collide with an object. Your motorcycle is also covered if someone attempts to steal or vandalize it. Here is a look at some common motorcycle insurance myths to watch out for.

One Speeding Ticket Will Ruin Everything

This is incorrect, as one speeding ticket will not cause a major adjustment to your motorcycle insurance coverage. If you have multiple accidents on your record, that may alter the terms of your policy.

I’m Not Responsible If My Friend Causes Damage

You are responsible if your friend causes property damage while operating your motorcycle. Technically, it will show up on your policy as if you have been operating the motorcycle yourself.

I’m Automatically Covered When I Store My Motorcycle

In order to fully cover your motorcycle when you aren’t using it, you need storage insurance. Storage insurance covers your vehicle if something happens during the offseason when you aren’t using it.  

Bingham Insurance Group Will Help You Protect Your Assets

Visit our website to learn more information about motorcycle insurance.

What are the benefits of motorcycle insurance?

When you are in the Braselton, GA area, you are going to have the opportunity to enjoy many long sunny days. Due to this, owning a motorcycle could be a great option as it will provide you with a reliable mode of transportation that you will be able to enjoy most of the year. If you are going to purchase a motorcycle in this area, you need to get the proper insurance. There are several benefits that will be received if you get a motorcycle insurance policy. 

Receive Coverage for Asset

One important reason to get a motorcycle insurance policy is that it can give you coverage for your asset. When you purchase a motorcycle, you will want to be able to protect your asset. A great way that you can do this is by getting a full collision and comprehensive insurance policy. This type of insurance will ensure that you are covered for a variety of situations that could result in a loss.

Liability Protection

Another advantage of getting motorcycle insurance is that it can offer you valuable liability protection. Anyone that has a motorcycle will be at risk of causing an accident that leads to damages. If you get a full motorcycle insurance policy with liability protection, you will receive coverage that will protect against that risk. 

If you are looking for a motorcycle insurance policy in the Braselton, GA area, you will want to make sure that you speak with someone that you can trust. When you are looking for insurance in this area, the Bingham Insurance Group can be a great resource. When you call the Bingham Insurance Group, you can learn more about all of your options and needs. This will help to ensure that you and your motorcycle are fully covered by insurance. 

Can I Add My Motorcycle Onto My Auto Policy or Do I Need A Separate Policy?

In Braselton, GA, the agents of Bingham Insurance Group work diligently to make sure local motorcycle enthusiasts have the insurance coverage they need. Many people ask if they can add their motorcycles to their auto insurance and get a multi-vehicle discount. Auto and motorcycle policies are slightly different, but they can be included as part of a bundled policy.

Motorcycle Endorsements

In order to add your motorcycle to your auto policy, your insurance agent will include a motorcycle endorsement. This is like a separate policy but may not carry the same types of coverage as a traditional auto policy. Endorsements are an extension of your existing policy that covers your liability while you are operating your motorcycle on the highway.

Mandatory Liability Insurance

Just like with your auto insurance policy, you will have to carry a compulsory amount of insurance on your motorcycle to cover different types of liability. Typically, this includes personal property and personal injury liability. Your insurance agent will be able to write a policy for you that ensures all state minimum liability requirements are met. You can keep your auto policy and motorcycle policy separate or add your motorcycle coverage as an endorsement.

If you are ready to purchase your first motorcycle policy or want to re-evaluate your existing one, call the agents of Bingham Insurance Group at your earliest convenience. We serve residents who live in Braselton, GA, and the surrounding communities, and are always looking for ways we can help our customers get the coverage they need. Visit our office or call and speak to an agent. We are ready to answer your questions!