Buying a motorcycle insurance policy in Manchester, NH, is fundamentally different from purchasing auto insurance. Many riders rely on their experience with cars and SUVs when selecting coverage, but motorcycles present higher risks and reduced visibility on the road. Because of these differences, motorcycle insurance requires careful consideration. The team at AS Insurance Agency can help you understand the nuances of protecting both you and your bike with a policy that truly fits your needs.
Relying on State Minimums or Overlooking Coverage Options
One of the most common mistakes riders make is assuming that meeting the state minimum liability requirements is enough. While motorcycles may be smaller than cars, they can still cause significant damage or serious injuries in an accident. If you are involved in a collision with a high-value vehicle or multiple injured parties, minimum limits may leave you responsible for substantial out-of-pocket costs.
Underinsured and uninsured motorist coverage is another option riders often overlook. Motorcyclists are more vulnerable to severe injuries, and if the at-fault driver lacks adequate insurance, this coverage can be critical in helping pay for medical expenses, lost wages, and recovery costs.
If your motorcycle includes custom parts or upgrades, such as exhaust systems, paintwork, or performance enhancements, it is important to add coverage for custom parts and equipment. Standard policies typically only cover factory-installed components, leaving aftermarket additions underinsured or not covered at all.
Understanding the Limits of Full Coverage
Another misconception is the belief that full coverage protects against every possible situation. While comprehensive and collision coverage offer broad protection, they do not cover everything. For example, most policies do not include coverage for mechanical breakdowns, normal wear and tear, or damage sustained during racing or track events.
Passenger coverage and medical-related protections may also vary by policy and carrier. Reviewing your policy details helps ensure you understand what is included and where additional endorsements may be needed.
The staff at AS Insurance Agency is happy to review your motorcycle insurance policy and explain your coverage options in detail. Contact our Manchester, NH, office to make sure you have the right protection before you hit the road.
