Motorcycle Insurance

I was rear-ended on my motorcycle by an uninsured driver. Will my auto insurance cover the damages?

Sorry to hear about your accident. I hope that you're recovering well.

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Motorcycle Insurance

Should I contact my insurance if I don't intend to file motorcycle insurance claim after an accident?

Sorry to hear about the accident, but glad you're alright. If the police filed a report then it's likely that your insurance company will find out about the accident at some point.

Coverage & Claims
Motorcycle Insurance

My motorcycle was in the back of my friend’s truck, which flooded and went downstream. Would his insurance cover the motorcycle?

I'm sorry but your friend's insurance company would not be responsible for your motorcycle since car insurance does not cover the contents of the vehicle, which is what the motorcycle would be considered. If you have comprehensive coverage on the motorcycle, your insurance company will likely cover the claim.

Motorcycle Insurance

Do I have to be under my wife's auto policy if I have my own motorcycle insurance?

Hello, Put short, yes, you must be listed on your spouse's insurance policy. However, if you never drive her vehicle (and see yourself doing so in the future), it's likely that you can have yourself excluded from her policy.

Motorcycle Insurance

Will my rate increase from filing a claim from hitting a road hazard?

If you file a claim, your rates can be impacted for up to five years. As far as towing, that would be a question for your insurance company.

Coverage & Claims
General Insurance

Need international motorcycle insurance

There are several companies that will insure you with an International driver's license. Keep in mind most company will add a surcharge onto the policy because they will not be able to verify your driving history.

Motorcycle Insurance

My motorcycle wasn't covered in a non-fault accident

Unfortunately, there usually isn't any coverage provided for contents when you tow something - only for the entity with which you are towing. Meaning, while the trailer would have physical protection extended to it, the contents you were towing would need to be covered by something else.

Coverage & Claims
Motorcycle Insurance

Coverage options for motorcycle damage after trying to avoid an animal

You would need comprehensive and collision coverage to cover the damages to the bike in the event with the animal. It is the adjusters determination on what coverage would apply, but since it's not another driver Uninsured wouldn't help.

Car Insurance Costs

Why is my insurance $200 a month?

There are a few things to look at here. First, your at-fault accident.

Car Insurance Costs
Motorcycle Insurance

If I am buying car insurance and already have motorcycle insurance, will I be eligible for a prior insurance discount?

With the majority of companies, a prior insurance discount for auto coverage is based on being previously insured under an auto policy. Unfortunately most companies won't consider an existing motorcycle policy to be sufficient to qualify for a continuous insurance discount.

Coverage & Claims

If I backed into my husband's motorcycle, will we have to pay two deductibles?

If you have collision coverage on both policies then it is likely that the damage will be covered. However, since you two are married your liability will not cover the damage to your husband's motorcycle since you are not unrelated third parties.
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