Ohio requires motorcycle insurance for those who own a motorcycle. Associated Insurance Agencies Inc., in Westerville, OH, offers motorcycle insurance.
What is Liability Coverage?
Liability coverage will cover any damage to other vehicles and injuries to others if you are responsible for an accident up to your coverage limits. Liability coverage is required by law in most states, including Ohio.
What is Collision Coverage?
Collision coverage covers any damage to your motorcycle if you are responsible for an accident. If you have a loan for your bike, your lender will probably require you to have collision coverage. You should also consider collision coverage if you can’t afford to repair or replace your motorcycle if it’s damaged or totaled.
What is Comprehensive Coverage?
Comprehensive coverage covers damage to your motorcycle that doesn’t occur during a collision. This includes vandalism, theft, and storm damage.
If your bike has a lien, lenders typically require comprehensive and collision coverage. This type of coverage helps protect your investment.
Do I Need Other Types of Coverage?
You may need other types of coverage as well. Uninsured motorist coverage is often recommended. If someone without insurance is responsible for an accident that damages your motorcycle, this coverage will cover the repairs.
You may want to consider personal injury protection. This covers any injuries to you and your passenger due to an accident.
If your bike is customized, you should consider accessories coverage. This covers saddlebags, electronics, sidecars, and conversion kits, which aren’t covered by your basic policy.
Lastly, roadside assistance coverage is a good idea. This will cover towing and labor if your bike breaks down on a ride.
Motorcycle Insurance at Associated Insurance Agencies Inc.
If you need motorcycle insurance in Neward or Westerville, OH, contact Associated Insurance Agencies Inc. Our experienced agents will help you choose the best policy for your needs.
