Motorcycle Insurance:
If you have a sport bike or a cruiser you want to make sure your baby is covered properly. Some insurance companies offer coverage for chrome and additional equipment or custom paint. Make sure you get your bike covered properly.
Insurance Terminology:
Property Damage: This is what your insurance company pays when you run into other peoples things. It could be a car, or if you drive through a fence or take out a fire hydrant. If the property belongs to someone else it is covered under this limit.
Bodily Injury: This pays out for injuries sustained by the insured. There are usually two limits, for example 100/300. That basically means your company will pay up to 100 thousand dollars per person for their injuries and max per accident 300 thousand. comprehensive: That covers your car for things other than collision. If your car is stolen, vandalized, burns up in a fire, hail storm, water damage, those kind of things.
Collision: This covers your car if it is in an accident. It could be your fault, or if it was a hit and run. If your car is damaged by another car or if you hit a stationary object Collision will cover the car.
Uninsured Motorist: This covers your injuries if someone hits you and they don't have insurance. NO you aren't paying to cover someone who doesn't have insurance.
Uninsured Deductible Waiver: This waives your deductible if someone hits you and they don't have insurance. If it is a hit and run you would still need to pay, this only comes into play if you can identify the car or driver that hit you.
Medical Pay: This is primary coverage for you and the passengers in your car if you are at fault in an accident. Some agents call it dental coverage, if you bust out your teeth med pay would help cover those injuries.
Rental Car Coverage: This gives you money to get a rental car if your car is in the shop getting fixed because of an accident. NO this won't cover you if you rent a rental car.
If you have a sport bike or a cruiser you want to make sure your baby is covered properly. Some insurance companies offer coverage for chrome and additional equipment or custom paint. Make sure you get your bike covered properly.
Insurance Terminology:
Property Damage: This is what your insurance company pays when you run into other peoples things. It could be a car, or if you drive through a fence or take out a fire hydrant. If the property belongs to someone else it is covered under this limit.
Bodily Injury: This pays out for injuries sustained by the insured. There are usually two limits, for example 100/300. That basically means your company will pay up to 100 thousand dollars per person for their injuries and max per accident 300 thousand. comprehensive: That covers your car for things other than collision. If your car is stolen, vandalized, burns up in a fire, hail storm, water damage, those kind of things.
Collision: This covers your car if it is in an accident. It could be your fault, or if it was a hit and run. If your car is damaged by another car or if you hit a stationary object Collision will cover the car.
Uninsured Motorist: This covers your injuries if someone hits you and they don't have insurance. NO you aren't paying to cover someone who doesn't have insurance.
Uninsured Deductible Waiver: This waives your deductible if someone hits you and they don't have insurance. If it is a hit and run you would still need to pay, this only comes into play if you can identify the car or driver that hit you.
Medical Pay: This is primary coverage for you and the passengers in your car if you are at fault in an accident. Some agents call it dental coverage, if you bust out your teeth med pay would help cover those injuries.
Rental Car Coverage: This gives you money to get a rental car if your car is in the shop getting fixed because of an accident. NO this won't cover you if you rent a rental car.
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