Personal Insurance Young Couple Riding in a Car in Downtown Lancaster

Motorcycle Insurance provided by Altima Insurance Agency

A motorcycle insurance policy helps protect you and your motorcycle, whether you are enjoying a long summertime ride or you have your bike stored away for the winter. You're passionate about your bike, so we dig deeper to offer a wide range of coverages.
What is Motorcycle Insurance?

Motorcycle insurance is similar to auto insurance. There are some coverages that are required by the state and others that may be optional. Liability coverages are usually required by the state and generally provide coverage for damages or injuries you may cause to others in an accident.

There are other coverages you can add to cover damages to your motorcycle, accessories you have added, and even coverage to help provide towing and roadside assistance. You can choose optional limits and coverages to personalize your policy to meet your needs.

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What are the types of Motorcycle Insurance?

Motorcycle insurance coverage benefits you, your bike, and others on the road. Types of Motorcycle Insurance policy include:

Liability insurance covers bodily injury and property damage that you may cause to other people involved in an accident. It doesn’t cover injury to you or damage to your motorcycle.

Motorcycle collision insurance covers damage to your motorcycle if you are involved in a collision with another vehicle. Your insurance company pays for damages (usually the book value of your bike before the loss occurred), minus your deductible.

Comprehensive coverage pays for damages caused by an event other than a collision, such as fire, theft or vandalism. Like collision coverage, your insurance company will pay for damages, minus your deductible, and will cover only the book value of the motorcycle.

Coverage for customized motorcycle parts. Many comprehensive and collision policies will only cover the factory standard parts on your motorcycle, or they will limit the coverage.

Uninsured/underinsured motorist (UM/UIM) coverage pays for damages to you and/or your property caused by another driver who either doesn’t have insurance (uninsured) or doesn’t have adequate insurance (underinsured). UM/UIM policies typically pay for medical treatment, lost wages and, in some cases, property damage.

Special Coverages:

  • Accessories coverage
  • Helmet Coverage
  • Emergency Roadside Service
Why is Motorcycle Insurance Important?

As a motorcycle rider, you should take care and show caution every time you are on the road. You should think about your life, your bike, and the lives of others. Motorcycle insurance is a great way to protect you against loss if you are in an accident. There are several reasons it is important for bike riders to secure and maintain motorcycle insurance.

  • Medical bills can pile up
  • Injury to Others
  • Collision Coverage
  • Total Loss Policies

Protect yourself and your ride with customized protection. Keep in mind, there are many coverages available  and it can be confusing. Wondering which coverages are the best fit for you and your ride? Check with us to find all the information you need to hit the open road without worry.

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As an independent agency, Altima Insurance Agency
Helps you find the right Motorcycle Insurance Coverage
Contact Us
Arlington, Texas
814 W. Arkansas Ln. Arlington, TX 76013
We extend coverage to individuals and businesses in Fort Worth, Dallas, Duncanville, Arlington, Garland, Irving, River Oaks and Haltom City
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Fire Coverage

Risk Factors
If your neighbour’s house sets on fire, your motorcycle parked outside may also catch fire and cause you a great loss.
Solution
Comprehensive coverage pays for damages caused by an event other than a collision which can include fire.

Note:  Please talk to your financial consultant to check all the facts before proceeding

Customised Motorcycle Parts Coverage

Risk Factors
You decided to add some additional accessories to your motorcycle and change its paint but the insurance company won’t pay you for them since they were not included in the insurance policy.
Solution
Many comprehensive and collision policies will only cover the factory standard parts on your motorcycle, or they will limit the coverage. If you decide to add on any optional accessories such as chrome parts, saddlebags and personal touches are worth more , you can buy additional accessories coverage, usually up to $30,000.

Note:  Please talk to your financial consultant to check all the facts before proceeding

Motorcycle Insurance - Insured’s Motorcycle damage

Risk Factors

You met an accident and your motorcycle is damaged. You are bound to pay for repairing costs to get it back to normal.

Solution

Motorcycle collision insurance covers damage to your motorcycle if you are involved in a collision with another vehicle. Your insurance company pays for damages incurred.

Note:  Actual policies must be consulted for specific terms and conditions.

Motorcycle Insurance - Bodily injury to others

Risk Factors

While driving your motorcycle, you may meet an accident and can cause damage to other people involved in that accident

Solution

Liability insurance covers bodily injury that you may cause to other people involved in an accident. It will also provide compensation in the event that you cause harm to another person

Note:  Actual policies must be consulted for specific terms and conditions.

Motorcycle Insurance - Property damage to others

Risk Factors

While driving your motorcycle, you may meet an accident and can cause and damage someone’s personal property

Solution

Liability insurance covers property damage that you may cause to other people involved in an accident. It will also provide compensation in the event that you cause damage to another person’s property.

Note:  Actual policies must be consulted for specific terms and conditions.

Motorcycle Insurance - Guest Passenger liability

Risk Factors

You may meet an accident while having a passenger sitting on your motorcycle which may cause them an injury.

Solution

You can get coverage from Guest Passenger Liability where your Motorcycle insurance provides protection in the event that a passenger is injured on your motorcycle.

Note:  Actual policies must be consulted for specific terms and conditions.

Uninsured / Underinsured Motorist Coverage

Risk Factors
You may meet an accident with another vehicle which is not insured or whose insurance coverage is not sufficient for the loss caused by accident.
Solution
Motorcycle insurance also offers Uninsured/underinsured motorists coverage, in the event that another driver is at fault in an accident and does not have adequate insurance to pay your costs

Note:  Please talk to your financial consultant to check all the facts before proceeding

Theft Coverage

Risk Factors
Your forgot to lock your motorcycle and the theft stole your motorcycle parked outside your house. You need to pay for legal fees and suffer a huge loss.
Solution
Comprehensive coverage pays out to you if your motorcycle is stolen.

Note:  Please talk to your financial consultant to check all the facts before proceeding

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