Insurance for motorcycles
It does not matter if you have ridden your bike for forty years of forty miles, accidents can happen. That is why you need to make sure you are protected with quality motorcycle insurance through an agency that you can trust like Lloyd Sadd Insurance.
You are comforted by the knowledge that your motorcycle is insured as it should be with coverage that is specialized, not generalized. When your bike is covered with a great policy from Lloyd Sadd, you have the advantage of dealing with brokers who know motorcycle insurance. These expert representatives will make certain that you get the best possible coverage at the most affordable price.
Hitting the road on your motorcycle is an adventure like no other. However, you never know what dangers may befall you just around the bend. Therefore, it is crucial that you are prepared with a motorbike insurance policy from Lloyd Sadd Insurance.
What is Covered?
When you purchase your motorcycle insurance from Lloyd Sadd Insurance, an experienced broker will help you choose the level and type of coverage that you need. Standard policy options include property damage liability, bodily injury, roadside assistance. With property damage and bodily injury liability, you are covered in the event of an accident where you are to be at fault. If the other party is injured or their property is damaged, your policy will cover the costs up to the limit that is set in your motorcycle insurance policy. This may also include any bodily damage that is sustained by your guest passengers.
Collision and comprehensive coverage will pay the cost to replace or repair your bike if it is damaged in an accident or stolen, no matter who is responsible. This type of coverage is often required by the lender when the motorcycle that you ride is leased or financed. You are also protected against loss due to vandalism, fire and some natural disasters. Once you pay the deductible that is outlined in your policy, the remaining expense is covered.
If the person that is responsible for the accident does not have insurance or their coverage is not enough to pay for the damage done, the uninsured or underinsured motorist element of your policy will cover the cost. This includes both lost wages and medical expenses for which the party at fault is legally responsible.
No matter how well you take care of your motorcycle, there is a chance that you could find yourself stranded on the side of the road one day. In cases such as this, you will be glad that you have roadside assistance included on your motorbike insurance policy.
Your motorcycle may become disabled for a variety of reasons,
- Dead or faulty battery
- Electrical or mechanical failure
- Out of oil, fuel water or other fluids necessary for operation
- Stuck in sand, mud, water or snow near the roadway
With roadside assistance, your bike can be towed to a nearby repair facility and the cost of the required labor at the site of the breakdown will be covered.
The primary reason to invest in an insurance policy is to protect you against loss. If you are found to be at fault in the event of an accident and you do not have the right motorcycle insurance policy in place, you could sink quickly into debt paying for the damages. Without proper coverage, you could be facing tremendous financial hardship.
Getting into an accident while riding your motorcycle could result in the loss of your investment if your bike sustains extensive damage. In addition to paying for damages and injuries for the other parties involved in any accident that you cause, you will also have to pay your own repair and medical expenses. Even if you are not liable but the other motorist is not insured, you will still have to pay out of pocket.
The consequences of failing to secure a quality motorcycle insurance policy could be quite devastating. However, you can avoid making such a costly mistake by protecting yourself, your passengers and your investment by contacting a Lloyd Sadd Insurance Broker representative as soon as possible.
There are safety measures that you can take to reduce your chances of being involved in an accident, such as defensive driving and protective gear. However, the only way to prepare effectively for the unexpected is to take the proactive step and invest in a motorbike policy through a great brokerage like Lloyd Sadd Insurance.
The reason you ride a motorcycle is to experience freedom from stress on the open road. Make the best of this time by making sure you are protected in case something unexpected happens, providing you with the peace of mind to enjoy your new found freedom.
Complete the simple, no obligation quote form to speak with a Lloyd Sadd Insurance representative. Your broker will guide you through all the steps to set up the best motorcycle insurance policy to keep you protected from all of the dangers on the road. This protection is of the utmost importance, so do not hesitate; submit the quote form today.