When the open road calls, you and your motorcycle are ready to roll. You will want the security of knowing that you and your ride are protected in the case of damage, accidents and theft. You can get that peace of mind here at the Ewing Hines & Associates Insurance Agency in Kensington, Maryland. We can help you sort through your options and arrive at the best insurance coverage for your bike, whether you live in Maryland, Virginia or Washington, DC.
Motorcycle insurance can include various types of coverages, and your state’s requirements will determine the minimum coverage you will need.
Types of Motorcycle Coverage
- Liability insurance which includes property damage or bodily injuries that you cause to others when involved in an accident. Whether your liability insurance includes Guest Passenger Liability (protecting you if your motorcycle passenger is injured) is determined by the insurance company issuing your policy and by the laws of your state.
- Uninsured/Underinsured motorist coverage pays for damage to you and your property when another driver who is at-fault is either not insured or does not have sufficient insurance to cover your losses.
- Collision insurance covers damage to factory-standard parts on your bike incurred during an accident when you collide with another vehicle or object according to the terms of your policy.
- Comprehensive insurance covers damage of the factory-standard parts of your motorcycle caused by something other than collision such as vandalism, theft or fire.
Do you Need Additional Coverage?
If your motorcycle has non-factory-standard elements, like a custom paint job, chrome parts or other added accessories, sidecars, trailers, other equipment, you should consider additional coverage for your motorcycle insurance.
How About Discounts?
Various insurance discounts could be available, depending upon your age and driving record, your bike’s type, style, age and location and whether you are a member of a motorcycle association and/or have completed a motorcycle safety rider course.
Liability limits, deductibles, additional coverages and discounts can vary to meet your needs.
Why not sit down with one of our agents who can discuss your state’s guidelines and help you with available discounts and coverage choices to create just the right policy for your needs. Just contact us today to discuss how we can help.
The scope of your insurance coverage and options depend entirely upon the policy and the insurance company providing it. This website is not intended to advise, offer or bind coverage. You should always discuss your insurance issues with professionals such as a licensed and qualified insurance agent like those at the Ewing Hines & Associates Insurance Agency before making any decisions or choosing a course of action.