With the help of an independent insurance agent like us, shopping for motorcycle insurance is easy and fast. How Can Bikers in Massachusetts Find Affordable Motorcycle Coverage? Whether the motorcycle has any aftermarket additions The make and model of the insured motorcycle A rider’s driving record (including both in automobiles and on motorcycles) Some of the factors they take into account that affect how much drivers pay for insurance include the following: Insurance carriers consider many factors when calculating motorcycle coverage rates. What Factors Affect a Rider’s Motorcycle Coverage Rates? We know the perils you face, and we want to help. We ride the same streets you do - from the busy roadways of Worcester and Boston, to the country roads in North Central Worcester County and western Massachusetts. Our job as independent insurance agents is to identify the coverage levels you need to protect yourself and your investment, and find you the best price for that coverage. We won't saddle you with a bloated policy, filled with overkill. At Charles River Insurance, motorcycling is in our blood. Without such coverage, riders may face legal consequences, and they can be held personally liable for any damage or injuries they’re found responsible for. Who in Massachusetts Needs Motorcycle Coverage?Įveryone who takes a motorcycle on public roads is required to carry an insurance policy that at least meets the state’s minimum requirements. Optional or added equipment coverage is frequently used to insure aftermarket parts and mods that are added onto a bike. If a bike is stolen and not recovered, lease or loan gap coverage might help pay the difference between a bike’s depreciated value and the balance on a lease or loan. Two other coverages that some riders may want are Lease or Loan Gap Coverage, and Optional or Added Equipment Coverage. Uninsured and Underinsured Motorist Bodily Injury Coverage, which might provide coverage if another driver causes damage or injury, but isn’t properly insured.Property Damage Liability Coverage, which may cover damage caused to other people’s vehicles and property.Comprehensive and Collision Coverage, which might cover damage that a motorcycle sustains.Bodily Injury Liability Coverage, which may cover medical expenses associated with other people’s injuries.Personal Injury Protection, which might help with medical payments, childcare costs, and funeral expenses if a rider is injured.Medical Payments Coverages, which may help pay for medical expenses associated with the treatment of a rider or their passenger’s injuries.Many of the coverages that are available through motorcycle insurance policies are also found on auto policies. What Types of Coverage Does Motorcycle Insurance Offer? Like most auto policies, motorcycle policies usually provide protection against a number of potential risks. Insurance protection for trailers designed specifically for pulling behind a motorcycle or trike and towed exclusively by the insured vehicle.Motorcycle insurance is similar to auto insurance, except it's designed for motorcycles and riders rather than automobiles and drivers. This optional coverage helps cover the cost of specific components in the event of a mechanical breakdown, depending on the year, make, and model of the insured motorcycle. This coverage can provide additional insurance protection against damage to your motorcycle caused by a motorist who has no insurance or insufficient coverage and is considered at fault. Uninsured/underinsured motorist property damage Use our motorcycle accessory checklist to determine the value of all your custom parts and accessories. Also, don't forget your riding gear-leathers, helmet, riding boots, goggles/glasses (if used exclusively for riding). ![]() When deciding on the amount of accessory coverage you need, anything that is different from the stock unit, as produced by the manufacturer, is considered an accessory and should be included in your accessory value in order to be covered. You can also purchase additional coverage in $1,000 increments up to $30,000. Markel Specialty's collision and comprehensive coverages include $1,000 of accessory coverage. Pick the deductible that works best for you: $250, $500, $1,000, $1,500, or $2,000.Ĭomprehensive coverage helps pay for damage to your bike (minus your deductible and subject to the settlement terms) caused by a non-collision event, such as fire, theft, vandalism, or hitting a deer. With Markel Specialty's collision coverage, your bike’s repairs or replacement costs (minus your deductible and subject to the settlement type terms) are covered in the event of an accident caused by collision or upset.
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