If you’re a motorcycle rider, you’re likely aware that hitting the open road on two wheels is a vastly different experience than driving a car. However, when it comes to insurance, the differences extend beyond just the type of vehicle. At The Washwick Agency, serving the communities in and around the Bethlehem, NH region, we help riders understand how motorcycle insurance differs from standard automobile coverage, ensuring they stay protected.
Unique Risks and Coverage Needs
Motorcycles inherently carry a higher level of risk compared to cars. Riders are more exposed to the elements, and accidents often result in more severe injuries. As a result, motorcycle insurance policies typically include coverage for medical payments and personal injury protection, which can help with medical bills regardless of who is at fault.
Customization and Accessory Coverage
Unlike cars, motorcycles are often customized with aftermarket parts, upgraded exhaust systems, and specialized gear. Standard auto insurance won’t cover these modifications, but motorcycle insurance can include accessory coverage to protect your custom work. Helmets and riding gear may also be covered under certain policies.
Seasonal Insurance Considerations
Many riders only use their motorcycles during warmer months, which means insurance can be tailored to seasonal use. Some policies offer lay-up periods, allowing you to maintain comprehensive coverage while pausing collision coverage when the bike is in storage. This is a unique option that car insurance doesn’t typically offer.
Understanding the differences between motorcycle and automobile insurance ensures you have the proper protection on the road. The Washwick Agency, providing motorcycle insurance to residents in the greater Bethlehem, NH area, can help you find a motorcycle insurance policy that fits your riding lifestyle. Contact us today to get started!
Comparing Quotes - Made Simple