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Motorcycle insurance in Folsom, CA, offers various levels of coverage. If you’ve upgraded your bike or purchased accessories, such as saddlebags, it’s important to make sure they’re covered if something happens.
Coverage Levels
There are different coverage levels for motorcycles, just like there are with auto insurance. Liability does not cover theft. It only covers the other person’s property damage and bodily injury expenses if the accident is your fault. Comprehensive may cover theft, but it depends on the company.
Accessory Coverage
Some companies specifically exclude accessories and upgraded parts from standard policies, even if you have comprehensive coverage. Instead, you must purchase accessory coverage, which protects any accessories on your bike, including saddlebags. An agent at T.D. McNeil Insurance Services can help you learn what type of coverage you need.
Should You File a Claim?
Even if you have insurance that covers theft, you may not want to file a claim. It’s important to determine the replacement cost of your saddlebags or stolen accessories. Then, compare the cost with your deductible. It may be cheaper to replace the saddlebags if your deductible is higher.
Filing a Claim
It’s essential to take the necessary steps if you want to file a claim. You’ll need to contact the police and file a police report. Gather any evidence you can to support the investigation. Your insurance company will want to know any information you have about the saddlebags, such as the brand and material, to determine their value. It’s helpful if you have a receipt from when they were purchased.
Contact one of our agents at T.D. McNeil Insurance Services to learn more about policy coverage or how to file a claim. Our knowledgeable agents will be happy to assist you. We’re currently serving the Folsom, CA, area.
