If you own a motorcycle in San Antonio, TX, you need to purchase motorcycle insurance to ride legally on public roads. You also need to avoid misinformation about motorcycle insurance.
We can provide you with motorcycle insurance and answer your insurance questions at AlphaSure Affordable Insurance Services.
The following are three pieces of misinformation motorcycle owners may come across:
Collision and comprehensive coverage mean the same thing on a motorcycle insurance policy.
Motorcycle owners need to understand how collision and comprehensive coverage are different. Collision coverage covers the policyholder’s bike for accident damages. Comprehensive coverage covers the policyholder’s bike for damages caused by theft or fire.
It’s best to include both collision and comprehensive coverage in your policy if you want complete coverage.
If you loan your bike to a friend, your friend’s motorcycle insurance will cover any accident damages.
Motorcycle owners should be careful about loaning their bikes out to friends. If your friend gets in an accident on your bike, you could be held liable, and your insurance policy could be charged for the resulting damages.
You should only purchase minimum liability coverage when you buy motorcycle insurance.
While buying minimum coverage only will allow you to meet the insurance requirements in Texas, minimum liability coverage will not offer you a great deal of financial protection.
You need to purchase more than just minimum coverage if you want to be confident that your liability coverage maximums are high enough to cover costs you may face after an accident. You also should make sure you have collision and comprehensive coverage included in your policy.
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Get in touch with us today if you need motorcycle insurance and you’re looking for a policy quote. Rely on AlphaSure Affordable Insurance Services to insure your bike in San Antonio, TX.