Nothing compares to the feeling of you, your bike, and the open road. Whether you are cruising down a highway or enjoying a warm summer commute to work, there are elevated risks that come with riding on two wheels. While you may have already considered the physical challenges you could face while riding, we here at Anton Insurance want to ensure you are well-protected against the financial hazards, too. As an independent insurance agency serving Columbus, Wisconsin, we help riders like you customize motorcycle insurance coverage that minimizes exposure to loss, with protection that covers your bike, your passengers, and you.
With access to coverage from multiple Wisconsin insurance companies, our office can help you find protection for nearly anything you ride. Examples include:
- Touring bikes
- And more
Motorcycle Insurance Options
Your motorcycle insurance policy may include several different types of coverage. Although many are similar to the coverages in a typical insurance policy, your motorcycle is not a car. That is why a motorcycle policy has several unique coverages and modifications that personalize the coverage to the needs of a rider – not a traditional driver. Your policy may include coverage for:
Property Damage and Bodily Injury Liability
If you hit a pedestrian, crash into a vehicle, or damage someone’s property while riding, you could be responsible for the damages. The property damage and bodily injury liability protection in your motorcycle insurance policy helps cover the financial cost of hiring a legal defense and paying for any judgments against you (up to the limits of your policy).
Coverage is typically limited to three amounts: property damage, total bodily injury in an accident, and injury per person in an accident. Since you may have to pay for any excess damages out of your own pocket, we typically recommend choosing high-limit liability protection that will reduce your financial vulnerability if you cause an accident.
What would it cost to repair your motorcycle after an accident? How much of an investment would you lose if your bike is considered a total loss? With physical damages coverage, you can be reimbursed for damages or loss of your motorcycle due to a covered event. Although claims are typically subject to your deductible, that could mean spending only hundreds of dollars for your claim versus a loss that costs you thousands.
Motorcycle coverage is typically divided into two types of protection – collision and comprehensive. Collision coverage pays to repair your bike or reimburses you for its loss after an accident or rollover. Comprehensive generally covers damages and loss due to other events, such as theft and fallen objects.
While physical damages coverage is not a requirement of the state, it may be required by your lender if you financed your motorcycle and have not yet paid the balance of your loan in full.
Have you made upgrades or changes to your motorcycle since you bought it off the showroom floor? If your ride looks a lot different than it did on the factory line, talk to your agent about special equipment protection. This can help cover your investment in bike enhancements, from your chrome and custom paint job to your after-market parts.
If you wreck your bike, OEM parts coverage helps ensure your ride is repaired with original manufacturer parts whenever available. This can help preserve your bike’s performance and protect its valuation for future sale.
Uninsured/Underinsured Motorist (UM/UIM)
It’s hard to imagine someone risking the financial wellbeing of other motorists by driving without insurance, but the truth is accidents happen every day involving one or more uninsured drivers. If an uninsured driver injures you, uninsured motorist coverage can help pay for your losses. If you are hit by a driver with too little insurance to cover your claims, underinsured motorist protection can help fill in gaps left by the at-fault driver’s policy.
Medical payments coverage can help you cover the cost of your health insurance deductible and medical bills when you are injured in a motorcycle accident. Also known as ‘med-pay,’ this coverage is usually worth a few thousand dollars – a welcome reprieve that could help you avoid a financial burden after an accident. Keep in mind that medical payments coverage is no-fault coverage that generally pays benefits regardless of who caused the accident. It also does not eliminate another driver’s potential liability, meaning you can still seek compensation for damages despite having received medical payments compensation from your own insurer.
Roadside Assistance and Towing
If your motorcycle breaks down on the side of the road, you may need some assistance getting it going again. Whether you need a battery jump or even a tow to the nearest repair shop, roadside assistance coverage can help minimize your out-of-pocket costs.
Rental Car Reimbursement
If a motorcycle accident leaves you with no wheels, the rental car reimbursement coverage on your policy can help get you where you need to go until your bike is repaired or you find replacement transportation.
Wisconsin Motorcycle Insurance Quotes
Whether you ride recreationally or use your motorcycle as a primary mode of transportation, we here at Anton Insurance can help you protect yourself and your bike against the unknown. As an independent agency, we can shop for motorcycle coverage from multiple insurance companies that offer competitive rates and ample protection. We can also help you find discounts that could help you maximize your savings. Examples include discounts for:
- Rider association memberships
- Being claims-free
- Being a mature rider
- Taking an approved motorcycle safety course
- Purchasing additional coverage lines from the same carrier
- And more
To find out more about Wisconsin motorcycle insurance and how Anton Insurance can help you save, contact our office today.