Motorcyle Insurance in Alabama

When selecting a suitable bike for yourself, the principal considerations are the needs that the motorcycle satisfies and the cost. Choosing a suitable insurance policy is not any different. You need a comprehensive policy that matches your budget so that you can go to bed at night feeling secure owning a motorcycle. Most states require a minimum amount of liability coverage, but you can acquire any additional coverage you need. At Will Wright Agency Inc. in Decatur AL, we offer motorcycle insurance to Alabama residents.

The coverage available includes:

Liability coverage

This covers any property damage or bodily injury arising from a collision you are responsible for causing to others involved in the accident. You will not be covered as well as your motorcycle. It may also include Guest Passenger Liability protecting passengers in the event of injury while on your bike.

Collision coverage

When you are involved in an accident, this coverage kicks in and covers damage to your motorcycle. The book value of the motorcycle is covered by collision insurance.

Comprehensive coverage

Events other than collisions such as theft, vandalism, or fire are covered by comprehensive coverage which pays for damages arising from these events. Damages will be paid for by your insurance company minus your deductible.

Factory standard parts are the only ones covered by most collision and comprehensive coverage. Additional parts to your bike, like chrome parts, might require additional equipment coverage.

Uninsured Motorist and Underinsured Motorist Coverage

Uninsured motorist coverage pays for liabilities arising from a collision involving you but caused by an uninsured driver. These liabilities include lost wages, medical treatment, and repairs to the motorcycle if your policy covers property damage.

Underinsured motorist coverage pays for liabilities such as medical expenses which arise from a collision caused by another party with lower coverage than you and the damages you suffered were greater than the other party’s.

At Will Wright Agency Inc. in Decatur, AL, we are a suitable insurance agency that is ready to help you find the coverage you need. If you are in Alabama, call or visit our offices to get a quote and find protection your bike.