Motorcycle accidents can happen anytime, often when you least expect them. Understanding your motorcycle insurance policy ensures you know what to do when accidents occur. It also helps you protect yourself financially and legally.
Types of coverage available
Motorcycle insurance policies fall under various types of coverage. Knowing these options helps you choose the right policy for your needs.
- Liability coverage: Covers costs if you cause an accident, including property damage and bodily injury to others.
- Collision coverage: Optional coverage for motorbike repairs after a collision with another vehicle or object.
- Comprehensive coverage includes non-collision situations like as theft, vandalism, and natural disasters.
- Uninsured/underinsured motorist coverage: Protects you if the at-fault driver lacks sufficient insurance.
- Medical payments coverage: Covers medical expenses for you and your passengers, regardless of fault.
- Accessory coverage: Covers custom parts and accessories added to your motorcycle.
Choosing the right combination of coverage types ensures you are adequately protected in various situations. Each type of coverage offers unique benefits, making it essential to understand their differences.
What to look for when getting a policy
When selecting a motorcycle insurance policy, consider several key factors.
- Compare premiums and deductibles. Higher deductibles usually mean lower premiums but require more out-of-pocket expenses during a claim.
- Check the limits of liability and other coverages to ensure they meet your needs.
- Review the insurance company’s reputation for customer service and claims handling.
- Ensure the policy covers any custom modifications to your motorcycle.
It is advisable to read the fine print to understand exclusions and limitations.
Can an insurance company deny your claim?
If an insurance company denies your claim, take immediate action. Typically, West Virginia has a minimum liability limit so check the limit before filing a claim. Additionally, you can contact your insurance provider for assistance and clarification.
If the issue remains unresolved, you may want to seek a legal professional who can help you navigate the appeals process and fight for your rights.
