Motorcycle insurance in Florence is required by state law. However, whether it covers upgrades and accessories often depends on the company, coverage level, policy limits, and other factors.
Coverage Level
The state minimum is typically referred to as liability insurance. This type of motorcycle insurance covers the other person’s bodily injuries and property damage if you’re at fault for the accident. It typically does not cover personal property damage. Many policies include uninsured/underinsured motorist coverage, which may cover damaged accessories if the other person is at fault and lacks sufficient coverage.
Comprehensive and collision coverage can help cover the cost of your property damage. Collision coverage typically applies if there’s an accident, even if you’re at fault. Comprehensive coverage protects against other perils, such as natural disasters.
Policy Limits
Every policy has a limit and will only reimburse you for parts up to that limit. Many companies only provide coverage for factory parts, such as a factory exhaust, and may exclude items like saddlebags. It’s important to ask an agent at McBride Benefit Solutions whether accessories will be covered under your policy.
Optional Accessory Coverage
Most companies offering motorcycle insurance provide additional coverage for accessories. Ask an agent if this is an option for your policy. It’s helpful to create a list of your accessories and their costs, then work with an agent to ensure your policy limits provide sufficient coverage to replace them.
Agents at McBride Benefit Solutions will work with you to tailor a policy that meets your needs. We will discuss coverage levels, policy limits, and more to ensure you’re satisfied with your level of protection. Contact us today to learn more. We proudly serve the Florence, AL, area.
