The thrill of the wind blowing in your hair and the freedom of the open road can be intoxicating for Alabama bikers. Alabama motorcycle owners must protect their two-wheeled investments with motorcycle insurance.
The motorcycle insurance professionals at McBride Benefit Solutions in Florence, AL can help you choose a motorcycle policy that meets your needs!
Why Motorcycle Insurance Matters for Bikers
Motorcycle insurance can provide a financial safety net in the event of an accident or theft. It is important for bikers to note that not all motorcycle insurance policies are the same. Each policy offers unique features and benefits that can be customized to meet your needs.
Liability Insurance for Motorcycles
Liability insurance offers the most basic level of coverage. All bikers on Alabama roads are required to have it by law. All bikers riding on Alabama roads are legally required to have a minimum of liability insurance coverage.
Motorcycle liability insurance offers basic coverages and protects riders when they are in an at-fault accident. Liability insurance for bikers helps safeguard their finances and protects them from legal claims in accidents where physical injuries or property damage claims are a concern.
Collision Coverage for Motorcycles
Collision coverage for bikes can help you repair damages or replace your motorcycle if it is totaled in a motorcycle accident — regardless of who is at fault.
Comprehensive Coverage for Bikers
Alabama bikers who get comprehensive motorcycle insurance are covered for non-collision-related accidents caused by natural disasters, vandalism, and other covered incidents.
Reach Out To Us
The knowledgeable agents at McBride Benefit Solutions in Florence, AL can talk to you about your options for coverage and help you choose a policy — contact an agent today to learn more!
If you ride a motorcycle, you need motorcycle insurance. Just like with automobiles, having the right insurance coverage can help protect you financially if you are involved in an accident or if someone steals your bike. But what exactly does motorcycle insurance cover? Here at McBride Benefit Solutions, we have put together a quick, comprehensive guide to help riders from the Florence, AL area know their options.
Protecting Yourself from Third-Party Claims
One of the main components of motorcycle insurance is liability coverage. This insurance protects you from financial loss if you are found responsible for injuring someone else or damaging their property while operating your motorcycle. In the event that you are sued for damages, your insurance will pay for legal fees and any damages you owe up to your policy limit.
Covering Damage to Your Bike in an Accident
Motorcycle insurance can also help you pay for repairs or replacement if your bike is damaged in an accident. Collision coverage can help cover the cost of repairs or replacement to your bike after a collision with another vehicle or object. Comprehensive coverage can protect against other types of damage like fire, theft, or vandalism.
Insuring Against Theft, Vandalism, and Other Risks
Many motorcycle owners invest a lot of time and money in their bikes, which can make them targets for theft or vandalism. Additional coverage options like theft or vandalism coverage can help protect your investment. It’s important to note that if you have a loan or lease on your motorcycle, your lender may require you to have this coverage.
Medical Payments, Uninsured/Underinsured Motorists, and More
In addition to the previously mentioned coverage options, motorcycle insurance also offers other forms of protection. Medical payments coverage can help pay for medical expenses for you or your passengers in the event of an accident. Uninsured/Underinsured motorist coverage can protect you financially if you are involved in an accident with someone who either doesn’t have insurance or doesn’t have enough insurance.
We Are Here To Help!
As you can see, there are many different types of coverage options available for motorcycle insurance. Choosing the right coverage for your motorcycle is important for ensuring that you are protected financially in the event of an accident or other damage. At McBride Benefit Solutions, our experienced agents can help you choose the right coverage options to meet your needs and budget. Contact us to learn more about coverage options for residents of the Florence, AL area.