What comes with a full motorcycle insurance plan in Utah?

Anyone in the Mapleton, UT area will want to consider purchasing a motorcycle that can be fun and efficient. When you are looking to buy a motorcycle, it would also be a good idea to get proper insurance for it. A full motorcycle insurance policy offers various forms of coverage that can make it a good investment for your situation. 

Protection for your Motorcycle

If you purchase a motorcycle, you will acquire something that is a large purchase that could become a significant investment. When adequately insured, you will have coverage if the motorcycle is stolen or damaged. This can ensure you are able to replace or repair it in certain situations. 

Liability Coverage

With a motorcycle insurance plan, you will also get liability coverage. Just like when you operate any other type of vehicle, there is a chance that you could cause an accident. If this does occur, you will need to ensure that you can pay for the damage. If you carry a proper motorcycle insurance plan, you will have liability insurance to cover damages. 

Having a proper motorcycle insurance plan is very important for those in the Mapleton, UT area. When looking for a new insurance plan in this region, call our professionals at Maple Mountain Insurance Services. Our Maple Mountain Insurance Services team has helped many people in this part of Utah select a new insurance plan that protects their motorcycles. This can also help ensure you remain covered and in compliance with any requirements for insurance. 

Three common misconceptions about motorcycle insurance

Motorcycle owners need to choose a motorcycle insurance policy that protects them financially. At Maple Mountain Insurance Services, we offer motorcycle insurance coverage to motorcycle owners in Mapleton, UT.

There are a few misconceptions that motorcycle owners should be aware of so that they don’t make poor motorcycle insurance coverage decisions.

Here are three common misconceptions about motorcycle insurance. 

Getting a motorcycle insurance policy quote negatively impacts a consumer’s credit score.

Getting numerous quotes when you’re on the market for motorcycle insurance is essential. You shouldn’t be discouraged from getting multiple quotes because you’re worried about negative impacts on your credit score.

When you get a quote on a motorcycle insurance policy, the insurance policy will check your credit score. However, this will be a soft inquiry that won’t reduce your score. This means you should feel free to get multiple quotes you can compare when choosing your motorcycle insurance policy. 

You only need to meet state minimum coverage requirements with your motorcycle insurance.

To protect your finances, you should invest in motorcycle insurance coverage that exceeds state minimum requirements. You will even be required to do so if you took out a loan to purchase your motorcycle because lenders will require you to buy collision coverage. 

Motorcycle insurance usually costs as much as auto insurance.

Motorcycle owners will be happy to learn that motorcycle insurance usually costs less than auto insurance.

Some consumers assume that the costs of motorcycle and auto insurance are similar. However, motorcycle insurance often costs a consumer only around half of the cost of auto insurance coverage. 

Let us come to your assistance at Maple Mountain Insurance Services if you’re looking for motorcycle insurance coverage in Mapleton, UT. Give us a call or send us a message online to learn more about our insurance policy offerings. 

Is Motorcycle Insurance a Necessity?

Just like your car, insuring your motorcycle is equally important because your bike faces the same risks as your car. Talk of accidents, theft, fire, vandalism, and natural disasters; the danger is never far from your motorcycle. Speaking of motorcycle insurance, it’s even more critical for your bike since the risk of riding is more than driving. So, if you have been asking whether motorcycle insurance is necessary, listen to what Maple Mountain Insurance Services of Mapleton, UT has to say.

Liability coverage

Riding is pleasurable, but this may not be the case if you are deemed liable for an accident. When you cause an accident, you may face bodily injury and property damage costs that are costly when you don’t have motorcycle insurance. While there are state-required liability coverage minimums, most riders opt for higher limits to get optimal protection.

It’s required

Like auto insurance, Utah requires riders to carry motorcycle insurance whenever riding on public roads. If you are caught riding without motorcycle insurance, you may face fines and penalties, including license suspension.

Protects your bike

Whether you have parked or riding your bike, there is always a danger. From accidents, fire, theft, vandalism to falling objects, risks always lurk around your bike. For this reason, you need motorcycle insurance to replace or repair your bike when danger strikes. 

Medical payments

When you are involved in a motorcycle accident, the chances of incurring severe injuries are high. Without a health insurance plan, you could face costly medical bills. The good news is that including PIP or MedPay coverage on your insurance covers medical costs and partial loss of income.

Buy motorcycle insurance today!

By now, you understand why it’s important to have a motorcycle insurance policy. If you are in Mapleton, UT and its environs, please get in touch with Maple Mountain Insurance Services for an affordable quote.

Does motorcycle insurance cover your gear?

Motorcycle insurance is required in most states. Your right to legally drive your bike through Utah is, in fact, contingent on your indemnity plan that must include at least $25,000 per person for bodily injury and a minimum $3,000 in personal injury protection. 

Is the state minimum enough, though? What about your gear? Does motorcycle insurance cover the necessities and accessories? The agents at Maple Mountain Insurance Services can help you create the indemnity plan that gives you the protection you need on the road. 

Yes! Motorcycle insurance can cover your protective gear

In addition to purchasing coverage for bodily injury and property damage, you can also buy a motorcycle insurance plan that pays to replace your equipment. This type of insurance comes in handy when you have an accident that ruins your helmet. Your indemnity plan can replace both your bike and the main accessory you need to ride it safely. 

Gear protection also extends to gloves and riding leathers. An agent at Maple Mountain Insurance Services can explain the details of how this insurance feature works in Mapleton, UT. 

What else can you do with motorcycle insurance?

A good motorcycle insurance plan pays for towing and labor costs when your bike breaks down during a road trip. Some indemnity policies even reimburse owners for lodging when they are stranded due to the bike stalling. Such a perk is recognized as trip interruption coverage. 

You may also find that your motorcycle insurance policy covers rental bikes that you use while on vacation. The collision and comprehensive coverage of your policy can pay for the damages to the rental. 

The agents at Maple Mountain Insurance Services can help you find a motorcycle indemnity policy that fits your needs in Mapleton, UT. Call today for a quote!