How To Choose Motorcycle Coverage For Your Motor Scooter
Owning a motor scooter is a big investment — as motor scooters are some of the most popular bikes available today. Many people are drawn to the environmental benefits these vehicles provide. However, while it’s beneficial to save on fuel by buying one of these bikes, don’t skimp on protection. Just as you would purchase car insurance, you need a motorcycle insurance policy that represents the risks you face in operating your motor scooter.
Know the Facts
While some types of motor scooters require very little liability insurance, it is important to consider the benefits of having a comprehensive policy. The U.S. Department of Transportation says that more than half of all scooters may be involved in some type of collision, with about half of those accidents being the direct result of rider errors. Protecting your bike is important, but how do you choose the right type of motorcycle insurance?
What to Look For in a Policy
The goal of motorcycle insurance is to provide ample protection from all of the risks you face. To do this, consider the following coverage variation.
- Protect the value of the bike with property insurance. Comprehensive coverage can protect against fires, theft, vandalism, as well as damage other damage to the bike not caused by poor maintenance or normal wear and tear.
- Protect the value of accessories, your protective gear, as well as custom parts. For high value bikes and customized features, a custom part and equipment endorsement can help to protect the value.
- Safeguard against liability risks with a comprehensive liability insurance plan. It must meet any state minimums, but also should provide more coverage to protect you from financial loss when you or someone operating your scooter causes an accident.
- Add collision coverage to protect you from costly repairs when you’re involved in an accident.
There is a lot to think about when choosing motorcycle insurance. The goal is to provide a policy that meets your specific needs and minimizes the risks you face as a bike owner. Protecting your investment reduces your costs substantially if you run into trouble on the road. If you do not have a motorcycle insurance policy yet, now is the time to choose one that fits all of your needs.
We’ve got you covered. Call Miller Insurance Agency at (409) 899-9531 for a free Beaumont TX motorcycle insurance quote.