Motorcycle Insurance Jacksonville, FL
If you own or plan to own a motorcycle in the State of Florida there are some important things you should know about acquiring motorcycle insurance for your vehicle. Most insurance companies offer motorcycle coverage and policies that can be purchased by phone, online, on mobile devices and by independent agents who represent the underwriters. With the increasing amount of motorcycles being insured, the price of coverage has in many states come down and many insurance companies who didn’t previously offer motorcycle coverage are doing so now.
Insurance Options
It is always a good idea for first-time buyers to seek out professional advice from a knowledgeable insurance agent familiar with motorcycle coverage, even if the costs are slightly higher. Most independent agents can offer you many options of companies who insure motorcycles, their drivers and passengers. Besides protecting the driver most insurance companies provide special features to their policies to make it attractive if you are ever involved in a motorcycle accident. Many insurance companies offer additional discounts to an existing policyholder who insure other products with them such as homes and automobiles.
Motorcycles Coverage for Total Loss Accidents
If your bike sustains significant damage or is deemed a total loss some policies offer full replacement costs with no depreciation for parts or total loss replacement coverage for motorcycles less than one-year-old. Additional coverage can be purchased from some insurance companies for even motorcycle up to 3 years old with the full price of the vehicle being replaced for a new model. Motorcycles that are older than 3 years can be covered for current market value, if damaged is beyond repair. Policy holders can also add additional coverage for personal belongings and equipment add-ons if damaged or stolen.
Additional Coverage
Many insurance underwriters offer Accident Forgiveness Policies for what they call, Small Accidents; damage under $500.00. Many have total loss forgiveness policies for accidents over $500.00 where the insurer has been holding an active policy for a certain period of time. Original Equipment Manufactories, or OEM’s are parts replacement policies using only original parts to repair damaged motorcycles. These types of replacement policies are very common as an added feature of insurance offerings.
Types of Vehicle Covered
From brand new factory direct motorcycles to customized bikes, most insurance companies insure almost every kind of road and off-road vehicle. Dirt bikes, sports bikes, high performance bikes, all terrain 3-wheelers and 4-wheelers, cruisers, antique or collectable motorcycles, mopeds and scooters are some of the types of vehicles insurance companies offer insurance for.
Standard Motorcycle Coverage
All insurance coverage begins with protecting motorcyclists, their passengers and other drivers/passengers and vehicles in the event an accident occurs.
- Bodily Injury and Property Damage Liability coverage pays for damages sustained to other vehicles, property damaged, drivers and passengers if the accident is caused by the motorcyclist. It also provides for legal costs in the event you are sued by someone.
- Collision coverage pays for damages when your motorcycle is hit by someone or you hit someone else.
- Comprehensive coverage covers physical damage to the motorcycle sustained by vandalism or stolen.
- Uninsured or under insured motorcycle insurance coverage protects you in the event you are involving in an accident with an uninsured motor vehicle as long as the accident is not your fault. If the vehicle involved doesn’t carry enough insurance to cover your expenses, the policy will cover any additional expense to repair or replace your motorcycle.
- Medical coverage is also available for protecting parties injured as a result of an accident.
Motorcycle Insurance Agency - John Beck Insurance
If you are shopping for motorcycle insurance call the professionals at John Beck Insurance. We can help you navigate the ins and outs of insurance coverage, explain the best coverage for your budget, and shop over 50 companies to get you the best rates in the area. If you would like a free consultation to discuss motorcycle insurance options call us today at (904) 721-3129.
Why Choose John Beck Insurance?
Since 1978 John Beck Insurance has helped thousands of drivers get quality, affordable insurance for their car, SUV, truck, van or motorcycle. Whether you have a perfect driving record with no claims, or your driving record is not so clean we have an insurance company for you. If you would like for one of our highly qualified car insurance agents to help you choose the right insurance coverage for you contact us today. All consultations are free and due to our vast network of insurance carriers we can typically find the lowest car insurance rates in Jacksonville.