Your motorcycle is at risk for damage even when it’s parked in storage for a few months a year. You may require liability coverage and insurance policies that cover you from damages or lawsuits should an accident occur or something happens to your bike. This is why it’s not necessarily the best idea for you to cancel your insurance policy in the winter and when your bike’s in the shed.
There are times when we take our seat belts for granted. And some of us just use them for the sake of compliance. However, this minor inconvenience actually saves lives. Almost half of the people killed in automobile accidents in 2017 weren’t wearing seatbelts. Over 89% who survived daytime crashes and 85% who survived night time ones were buckled up.
You can never be too safe on the road, especially if you’re driving a motorcycle. Apart from being exposed to the elements, there’s less protection when you’re involved in a crash. The latest data from the National Highway Traffic Safety Administration (NHSTA) shows that over 5,286 Americans lost their lives in a motorcycle crash in 2016. This is a 5.1% increase from 2015’s fatalities of about 5,029. The NHSTA also added that motorcycle deaths were about 28 times more frequent than deaths from other vehicles, based on 2016 data.
For serious accidents, you want enough insurance to cover a judgment against you in a lawsuit without jeopardizing your personal assets. Therefore, it's a good idea to have the same level of bodily injury coverage for all your cars. You may also want to consider an umbrella policy which provides additional coverage for more serious accidents and lawsuits.
This coverage reimburses you for loss due to theft or damage caused by something other than a collision with another car or object. Comprehensive covers events such as fire, falling objects, missiles, explosion, earthquake, windstorm, hail, flood, vandalism, riot, or contact with animals such as birds or deer. It will also pay to repair your windshield if it is cracked or shattered.
The Mexican government requires that tourists get auto liability insurance from a Mexico-based insurance company. Although your USAA auto policy may provide limited coverage for any loss or damage that occurs within a certain distance from the U.S.-Mexico border (check your policy for details), it doesn't provide the insurance legally required for travel in Mexico.
Insurance terms, definitions and explanations are intended for informational purposes only and do not in any way replace or modify the definitions and information contained in individual insurance contracts, policies or declaration pages, which are controlling. Such terms and availability may vary by state and exclusions may apply. Discounts may not be applied to all policy coverages.
Safe Auto Group Agency, Inc and/or its affiliates (“Safe Auto”) is located and operated exclusively in the United States of America. Safe Auto does not offer goods and/or services in any language of an European county, does not deal in any European currencies, and does not underwrite risks for or issue policies to individuals or companies located in the European Union.
Apart from the right equipment, a good motorcycle insurance policy is essential in keeping your travels safe. Here at Oxford Auto Insurance, we offer low-cost motorcycle insurance that may have comprehensive coverage, increased liability limits, and even roadside assistance plans. We have decades of experience in providing affordable auto insurance in Chicago, and we’re always striving to give the best service for our customers.