Motorcycle Insurance in Boynton Beach & Stuart, FL
Your motorcycle is a significant financial investment and might also serve as a source of personal pride. This inherent monetary and sentimental value requires careful insurance considerations. While cruising the Florida coastline or navigating city streets can be enjoyable and exciting, even the most skilled and experienced bikers must accept the possibility of accidents and other incidents affecting their rides. At Wiglesworth-Rindom Insurance Agency, we’re ready to help you understand and secure coverage.
How Does Motorcycle Insurance Work? 
A motorcycle insurance policy serves as a contract between you, the policyholder, and your insurance carrier. After making decisions about your coverage details, you’ll be responsible for paying premiums throughout your policy’s term (e.g. 6 or 12 months). In exchange for these regular payments, you reserve the right to file a claim following accidents and other incidents involving your bike. If your claim is approved, your insurer may issue a payout up to your coverage limits once you’ve met your deductible.
What Can Policies Cover?
Motorcycle insurance may include many familiar terms if you purchased auto insurance for a car. Policies can often be customized according to your needs, but may frequently include the following:
- Bodily injury liability coverage can help pay for medical expenses and legal defense costs if other motorists or pedestrians are injured in an accident for which you’re responsible.
- Property damage liability coverage may cover the costs of repairing or replacing another person’s vehicle or property if you’re at fault for an accident.
- Collision coverage can help manage repair costs if your bike is damaged in a crash involving other vehicles or stationary objects.
- Comprehensive coverage may help pay for damage to your motorcycle caused by events other than a collision, such as fires, natural disasters, theft, vandalism and incidents involving wildlife.
- Personal injury protection may help pay for medical expenses, wage replacement and other losses if you or your passengers are injured in an accident, regardless of fault.
- Uninsured and underinsured motorist coverage can assist with losses for which someone else is at fault, even if they lack the necessary insurance.
How Much Does Coverage Cost?
Motorcycle insurance companies may look at a multitude of factors when calculating your rates. In many cases, they may analyze the following:
- Location
- Rider’s experience and age
- Vehicle specifications
- Driving records
- Claims history
- Deductible
- Coverage limits
How to Get Motorcycle Insurance Near Me
Contact Wiglesworth-Rindom Insurance Agency today to discuss your coverage options and find a policy tailored to your needs.