You bought your motorcycle so that you could enjoy it. To feel the rush of freedom, the whipping wind, and the open road ahead of you. Unfortunately, sometimes things you don’t anticipate come up, so making sure that you are amply insured is important when it comes to protecting yourself from the unexpected mishaps that can arise.
In Ohio, you are required to have motorcycle insurance coverage, but not all insurance policies are created equal. Protecting your motorcycle from potential disasters is an important task, and while you cannot know what will happen in the future, being ready to deal with whatever does come is an invaluable asset.
Whether it is a Harley, Honda, or Ducati; your particular motorcycle is precious to you, and you want to protect it properly in the face of whatever comes your way. Since there are so many insurance coverage options out there, searching for the right one for you can be overwhelming without someone to help guide you through. Talking to your insurance agent about the right policy for your situation can be one of the best things you can do to protect yourself from potential issues down the road - and knowing what coverage you need can help you pick the best fit for your motorcycle. It can make a huge difference when you are prepared.
Comprehensive Coverage and Collision Coverage
Comprehensive coverage covers you when issues that are not classified as accidents come your way, such as fire damage or even theft or vandalism. Collision coverage gives you the coverage needed should you find yourself in an accident with your motorcycle. Whether or not you are at fault, you want to have the insurance protection that can help you handle such a situation.
Bodily Injury Liability
This covers you should you injure another person in an accident. While it is less likely that you will injure someone with your motorcycle than with, say, a car, mishaps still do occur. Lawsuits can be excessively expensive, so having insufficient coverage is not an option. Being amply covered can help save you major headaches later on.
Personal Injury Protection
The right personal injury protection is crucial, too. What if you or someone with you gets injured in an accident? You could find yourself paying thousands of dollars to pay for the medical costs incurred, and that can drain your finances before you know it.
Property Damage Liability
One thing is for sure: you do not want to find yourself paying property damage costs all out of pocket. You also don’t want to find yourself dealing with any lawsuits over property damage issues without having the right coverage to help you deal with the situation. Having sufficient coverage for property damage liability in your Ohio motorcycle policy is a must.
Uninsured and Underinsured Motorist Coverage
When you think of important areas of coverage for your motorcycle, uninsured and underinsured motorist coverage is probably not the first - or second or third - thing that comes to mind. It is easy for us to assume that other motorists will be well-insured since we take pains to protect ourselves and our vehicles, but the fact is, you may find yourself in an accident with a driver who has insufficient insurance protection.
Finding the Protection That Fits Your Motorcycle’s Needs
You and your motorcycle deserve the best, so don’t settle for “adequate” coverage when you can have the protection you really need to safeguard your motorcycle in Ohio. You can have the coverage you truly need so that you can enjoy your bike for years to come. While there are many mishaps and disasters that can come your way, you can make sure that you are prepared and ready to handle any situation.
Your motorcycle is something you love and take pride in, and you deserve the peace of mind that the right coverage can offer you. Here at Cobos Insurance, we would love to help you find the coverage you need most. You can call us at our Avon Lake office at 440-933-5223 or at our Elyria office at 440-324-3732; contact us today so we can help you find the best insurance fit for your Ohio motorcycle!