Protection for riding is more than just a helmet and a jacket. You need to insure yourself and your motorcycle from all the dangers you face on the road, including accidents, theft, injury, etc.
Whether you’re a new rider or you’ve been riding for decades, cover yourself with one of our comprehensive motorcycle insurance plans before you hit the open road. It doesn’t make a difference if you ride a sportbike, a cruiser, or are living the touring life!
How Can Gallant Risk & Insurance Services Help With Motorcycle Insurance?
Liability insurance is legally required in most states. This coverage protects you if you are found at fault for an accident that causes property damage or injury to another driver or pedestrian.
Our experienced agents can also help you navigate through your motorcycle coverage options to protect you from financial loss if your motorcycle is damaged, stolen, or you are injured.
Want to know how much motorcycle insurance will cost or what financial and legal consequences you could face without it? Call Gallant Risk & Insurance Services today. We’re here to help!
When to Consider Getting Motorcycle Insurance
Every state in the US, except Florida, requires motorcycle owners to have liability insurance coverage before it is registered and put on the road.
In California, your ability to recover damages will be severely limited, even when the other party causes the collision.
Options are also available for full coverage, which protects you from financial loss. These include:
- Collision – covers the cost to repair your bike and medical expenses if you are injured in an accident determined to be your fault.
- Comprehensive – covers theft or cosmetic damages not caused by an accident.
Maintaining Full Coverage While Bike Is Being Stored
While your bike is not being ridden, insurance isn’t legally required. Just remember that if you cancel your policy, you will lose any comprehensive coverage you had, which would protect your motorcycle from damage or theft while not in use.
If you want comprehensive coverage, you typically need a liability policy as well. Some insurers allow you to drop collisions from your policy and keep comprehensive coverage. However, if you have a lease or are still paying off your loan, your lienholder will require you to maintain both at all times, even when the motorcycle is stored.
During the winter months (if not leasing or paying off a loan), you may be tempted to cancel your insurance; however, if you do, you risk incurring costs due to damage from vandalism or acts of nature and theft.
You may also have a harder time keeping the same rates when you want to renew.
What Motorcycle Insurance Services Does Gallant Risk & Insurance Services Offer?
- Bodily injury and property damage liability coverage
- Collision coverage
- Comprehensive coverage
- Coverage for custom parts and equipment
- Medical payments
- Roadside assistance
- Theft and vandalism coverage
- Uninsured/underinsured motorist coverage
Begin Your Ride With the Proper Coverage
Our professional insurance representatives can assist you in deciding which motorcycle insurance plan is right for you by determining the discounts and special features you may be eligible to receive.
What Does Motorcycle Insurance Coverage Provide?
Having an active liability motorcycle insurance policy makes your bike legal to drive and covers the cost of property damage and injuries to others if you’re at fault for an accident.
You and your motorcycle can also be covered for unexpected losses or injuries due to collisions, theft, fire, and weather-related damage.
Full coverage protects anyone who rides with you on your bike and licensed motorcycle drivers. If you allow someone to operate your bike, make sure they are properly licensed because if they aren’t, your policy may not cover them or your motorcycle in the event of an accident.
Whether you ride a street bike, cruiser, touring bike, or even a custom chopper, your motorcycle is synonymous with two things: freedom and adventure.
You enjoy the freedom and excitement of the open road and long for the adventures it brings, but with adventure comes uncertainty, and with freedom comes responsibility. While you may not know what lies over the next hill, the right coverage can ensure that you’re prepared for it all.