Top Motorcycle Insurance Policy Features in Vero Beach

Spending time on a motorcycle in Vero Beach can be a lot of fun. With the sun of Florida, you can spend a significant amount of time out on the road. Having the right motorcycle insurance policy is a necessity to keep you safe. There are certain features to be aware of so that you can have them incorporated into your motorcycle insurance policy.

Basic Coverage

You are going to want all of the basic coverage that comes with motorcycle insurance in Vero Beach. This includes personal injury liability and damage protection. Whether the accident was your fault or someone else’s, you want to make sure that the coverage is in place so that you can call and make a claim.

The whole entire goal of having motorcycle insurance coverage is to minimize the amount of money that you would have to spend out-of-pocket. You want to know that you can call the insurance company, file a claim, and have them take care of it. The only thing that you should have to pay out-of-pocket is the deductible. Depending upon the accident, and all of what has happened, this may be entirely possible – though it often depends upon other coverage options.

Added Equipment

The reality is that you may have spent a lot of money to get your bike just the way he wanted. This may include a windshield, crash bars, or even a custom seat. If you damage or total your bike, most insurance companies aren’t going to cover any of the aftermarket upgrades. This means that you are out a significant amount of money.

However, there is often optional or added equipment coverage that you can add to your policy. This will provide you with all of the coverage you need for aftermarket upgrades. Generally, this can vary from $1000-$10,000 or more – and you can choose which amount works best for you based upon just how much you have spent on your bike getting it the way you want.

Towing & Labor

The last thing you want is to be stranded on the side of the road because your bike is broken down or you are involved in an accident. Towing and labor costs can be included within your policy. Much of the amount that you need will depend upon the type of bike that you have, including sport or touring.

Gap Coverage

Finally, you want to look at gap overage for your lease or loan. You don’t want to find out that your bike has been completely totaled, and you are still paying for it with a lease or a loan. The insurance company would pay the difference on what you owe, thus reducing your financial responsibility. This kind of coverage is available on all sorts of vehicles, but more important than ever on a motorcycle because of the possibility of totaling it if you are involved in an accident.