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110 Blue Ravine Rd, Suite 105,
Folsom, CA 95630

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Four common mistakes consumers make regarding motorcycle insurance

Get in touch with us at T.D. McNeil Insurance Services if you need motorcycle insurance in Folsom, CA. We are an insurance company offering coverage for motorcycle owners.

Don’t make mistakes when you buy motorcycle insurance that could lead to negative financial consequences.

Here are four common mistakes consumers make regarding motorcycle insurance:

Canceling your motorcycle insurance coverage when your bike is not in use

If you don’t use your bike during certain times of the year, that doesn’t necessarily mean you should cancel your policy.

A lot of motorcycle insurance providers offer storage coverage that customizes coverage to your unique needs throughout the year. Switching over to storage coverage is often better than just canceling your policy when your bike is not in use. 

Never updating your motorcycle insurance policy

it’s a good idea to reevaluate your motorcycle insurance policy occasionally. You might want to make some changes to your coverage if your bike’s value or your riding habits change. 

Assuming your motorcycle insurance policy includes collision coverage

A basic motorcycle insurance policy will usually only include liability coverage. You need to specify that you want collision coverage when you buy your policy if you want to be covered for damages to your bike.

Being unaware of coverage limitations

Motorcycle insurance coverage might not be in effect if you take your bike outside the country or if you use your bike for commercial activities. You should be aware of any coverage limitations related to geographic location or commercial activity. 

Reach Out To Us

If you need insurance coverage for your motorcycle in Folsom, CA, we can come to your assistance at T.D. McNeil Insurance Services. Call us to get a quote on a motorcycle insurance policy. 

Here’s Why Motorcycle Insurance is Absolutely Crucial

Riding a motorcycle can be a lot of fun. However, you will want to make sure that you are properly insured before hitting the road. While motorcycles are generally safe, this safety depends on drivers following the rules of the road. If you get in an accident on a motorcycle, you could be severely injured, and your property may end up damaged as well. Fortunately, the right motorcycle insurance plans can provide some protection.

Get in touch with T.D. McNeil Insurance Services, serving Folsom, CA and other areas nearby, to learn more about motorcycle insurance plans.

Mitigating Risks with Motorcycle Insurance

Modern automobiles are quite safe. Among other things, they are often equipped with airbags, automatic braking, rear-view cameras, and effective crumple zones. These safety features have made modern cars much safer to drive than their past counterparts.

Unfortunately, many of these safety features simply can’t be installed on a motorbike. While motorcycles now are safer than they were in the past, if an accident does occur, the risk of someone getting hurt is much higher than in the typical modern car or truck. Further, when people are injured, the injuries themselves are often more severe when motorcycles are involved.

Motorcycle insurance plans may cover medical bills resulting from injuries while using a motorcycle. This includes the motorcycle operator, passengers, and people in other vehicles. Keep in mind, however, that who is covered and how much is covered can vary depending on the plan and provider. It’s crucial to read the terms and stipulations for each motorcycle insurance plan you are considering.

Reach Out To Us

Further, most state governments also require that owners have insurance plans on their bikes. If you drive without insurance in California, you could end up in hot water. Contact T.D. McNeil Insurance Services, serving Folsom, CA and other areas nearby, to discuss motorcycle insurance plans.

Expand Your Bike Insurance for Riders

Bike insurance is a powerful way of protecting your motorcycle and yourself from serious crashes. But what about your riders? At T.D. McNeil Insurance Services, we can help Folsom, CA area residents get the help they need to manage this concern and keep their policy as strong as possible.

Protecting Your Passengers

Upgrading your motorcycle insurance will help protect your passengers by expanding your health coverage options. Your traditional bike policy will only cover things like liability and damage. However, adding health protection will cover those people on your bike, including yourself.

For example, if you crash and your wife or husband on the bike behind you gets hurt, this policy will help pay for their medical coverage. In this way, you don’t have to pay for it out of your pocket, and they can get through their recovery more quickly and efficiently with minimal challenges.

Types of Bike Riders

The type of rider you have on your bike typically doesn’t matter much for this type of coverage. So, for example, someone riding on the seat behind you is treated the same as those in a sidecar. Sidecars are safer, though, so consider getting one to protect your riders.

A sidecar with a seat belt and other protective gear may also help decrease your insurance by providing a safer riding atmosphere for other passengers. Talk to your insurance agent to learn more about this fact and give yourself the help you need to keep your bike safe.

Take Care of Your Bike Needs

At T.D. McNeil Insurance Services, we can provide Folsom, CA residents with the help they need to keep their bikes strong and avoid serious crash-related issues. So please don’t hesitate to contact us today to learn more about how we can help you and provide you with excellent insurance.

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