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Motorcycle Season is in full Swing

Do you have the proper Motorcycle Insurance Coverage?
Whether you're enjoying a long summer time ride, or have your bike stored away for the winter, a motorcycle insurance policy can help protect you and your motorcycle. we have several carriers who  offer a comprehensive array of options to help provide peace of mind for every ride.

Optional or added equipment
Some carriers will offer $1,000 worth of coverage on after-market upgrades. You can buy extra coverage up to $30,000.

Towing and labor
Reimburses you for the costs of towing and related labor if your motorcycle breaks down or you get in an accident. Policies for Harley-Davidson, Touring and Touring Sport bikes include this coverage automatically, but you can buy it for other kinds of bikes.

Rental reimbursement
Helps cover the cost of a rental if your bike is stolen or being repaired in the shop.

Bodily injury liability coverage*
Covers things like medical expenses and lost wages that result from the injury or death of another driver when you're at fault.

* In some states, this liability extends to passengers on your motorcycle, too. In others, it may be offered separately.

Property damage liability coverage
Covers damage to another person's property when you are at fault. You may be liable for other vehicles, private residences, storefronts and other structures.

Medical payments
Covers reasonable and necessary medical expenses that are the result of any injury to you or your passengers, like ambulance rides and x-rays.

Personal injury protection
This type of coverage can reimburse you for medical expenses, lost income, funeral expenses, childcare and more if you're hurt in an accident.

Collision coverage
Covers damages to your motorcycle that result from a collision with another object, which can include another car or motorcycle, a tree or a building.

Comprehensive coverage
Covers damages to your motorcycle NOT caused by a crash with another vehicle—things like flooding, wind, vandalism and theft. You're typically covered for repairs up to the actual cash value of your bike. Plus, you get to choose your deductible.

Uninsured/underinsured motorist bodily injury
If you get into an accident and an uninsured or underinsured driver is at fault, this covers your injuries as well as your passengers'. Different states have different requirements for this coverage.

Motorcycle and off-road vehicle transport trailer damage
Covers damage and loss of your trailer and motorcycle resulting from collision, rollover and most natural and man-made losses such as earthquakes and vandalism.

Lease/loan gap
If your bike gets totaled or stolen, this pays the difference between what your motorcycle is worth and what you still owe on your loan or lease. To get this coverage, you need to have comprehensive and collision on the same policy.
Motorcycle Policy Features
Some carriers will allow you to tailor your policy with these special coverage features:

New Motorcycle Replacement*
If you total your new bike, we’ll replace it with a brand-new one. There's no replacing it in your heart, but you can replace it in your driveway.

Optional or Added Equipment
You spend thousands getting your bike perfect—a sweet custom seat, crash bars, a windshield, whatever. What happens if it gets damaged or totaled?

First-Accident Waiver
Some carriers will offer First-Accident Waiver where your insurance premium won't go up just because of your first accident. The feature is offered at no extra charge, if you're eligible. The covered driver can’t be charged with any major traffic violation related to the accident.

Suzanne Brown Insurance Agency

A Texas Independent Insurance Agency with over 100 insurance carriers

www.SuzanneBrownAgency.com

281-558-2210

 
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