If you own a motorcycle, you should have motorcycle insurance – it is proper protection of your on the road, as well as the motorcycle itself and motorcycle gear. It covers replacements, repairs, and medical bills for anyone who is injured in a road accident. Here is a list of six different types of motorcycle insurance.
Types of Motorcycle Insurance
- Comprehensive insurance. It covers a motorcycle if it is damaged or lost due to theft, vandalism, fire, hair, or any other covered incident.
- Collision insurance. It covers repairs or replacement of your bike if you hit another vehicle or object.
- Liability insurance. It includes property and bodily injury damage in case of a road accident. It covers you in the event you cause an accident and pays for repair costs, past and future medical expenses, lost wages, vehicle replacement, and pain and suffering.
- Underinsured and uninsured coverage. It provides financial compensation if you crash with someone who does not carry any insurance or whose insurance is not enough for covering all damages.
- Guest passenger coverage. It includes bodily injury coverage for your passenger if you are involved in a crash. This insurance type also covers some legal expenses, if you are sued by your passengers.
- Customized motorcycle parts coverage. It is special coverage for items added or customized to the motorcycle. Since these items are usually expensive to insure, your standard motorcycle insurance may not have coverage for them, but you can ask an insurance agent to add it.
Associated American Insurance serving Manchester NH – We Help You Find Insurance You Need and Deserve
If you want to feel safe on the road and know you are protected, getting motorcycle insurance is a good idea. If you live in Manchester, NH or any other nearby town, and you are looking for a trustworthy insurance agency to purchase a motorcycle insurance policy, contact Associated American Insurance. Our experienced insurance agents will answer all your questions and find you a perfect insurance policy.
Owning a motorcycle is an exciting prospect for many people in the Manchester, NH area. If buying a bike is a move that you are considering, talk to Associated American Insurance today. We can give you the information you need to determine which policy is most appropriate for your needs.
Motorcycle Insurance Overview for NH Residents
New Hampshire does not require motorcycle insurance, however, it is strongly recommended that all motorcycle owners and operators carry at least a basic motorcycle policy. Whether you choose a basic collision policy or opt for comprehensive coverage, you will enjoy the peace of mind that comes with knowing that your bike, your passengers, and yourself are covered. Let’s take a closer look.
- Collision Insurance – this is what you can consider a basic policy. It will cover damages to your bike in the event of a covered incident, such as an accident. Typically, such a policy covers few damages, with the policyholder picking up any excess damages.
- Comprehensive Coverage – as the name suggests, this type of motorcycle insurance is broader and offers more substantial protection. If you want to have coverage for medical expenses, theft, or damage to your vehicle, as well as property damage coverage, ask your agent about the comprehensive coverage options that are available.
It is important to note that anyone in New Hampshire required to file an SR-22 will have to carry minimum levels of motorcycle insurance. This type of filing will occur if you receive a DUI, accidents, or excess traffic violations.
Contact Associated American Insurance today to learn more
Manchester, NH residents who are considering buying a bike can find out all about the insurance policy options available by calling or stopping by our office today!
Whenever New Hampshire shakes off its winter doldrums, riders across the Granite State pull out their motorcycles to hit the highways and byways of the countryside. What this means for fellow travelers on the road is that they need to keep an alert eye out for these types of vehicles. Still, motorcycle riders also need to make sure their bikes are roadworthy, and a big part of that process is making sure you have adequate motorcycle insurance.
Motorcycle Insurance Requirements in New Hampshire
As with any motorized vehicle in the Granite State, you must show financial responsibility by displaying proof of insurance. Such a policy will protect you and others in the event of an accident that is deemed your fault. It is important to remember, however, while this is the minimal amount of motorcycle insurance you must have in New Hampshire, it will not pay to repair or replace your own bike. Agents at Associated American Insurance in Manchester, NH can recommend a myriad of insurance options to provide you and your motorcycle more coverage than the bare minimum.
Collision and comprehensive coverage are options for riders who want some time sense of peace of mind when they are out on the road. The former type of policy covers you and your bike should be found at fault in an accident, and the latter offers coverage from theft, vandalism, and other types of damage to your bike.
Contact Our Team at Associated American Insurance
If you have questions regarding your motorcycle insurance requirements, our team here at Associated American Insurance is serving the greater Manchester, NH area, and we are ready to answer any questions you might have regarding what it takes to get the road legally. When it is time to make sure that your motorcycle has the insurance you need, we invite you to reach out to our team here at Associated American Insurance to discuss your motorcycle insurance needs in New Hampshire.
Have you recently purchased a motorcycle in New Hampshire, or moved to the state and need to know what you need for your motorcycle insurance? Read on to learn more, and also talk to an insurance agent at Associated American Insurance, serving the greater Manchester, NH area.
You may be surprised to learn that New Hampshire is one of just three states in the US that does not require every rider to have an insurance policy for a motorcycle. However, many circumstances might make this necessary. For instance, if a rider has been convicted of a DUI for drugs or alcohol, he or she may be required to have an insurance policy. This is also the case if the individual has multiple reckless operation citations.
Consider What’s Best for Your Situation
Though it’s less expensive to own a motorcycle without insurance, you’ll find it’s much the opposite if you get into an accident. For this reason, it’s a good idea to have insurance coverage. New Hampshire is an at-fault state, which means that if you don’t have appropriate coverage and you’re found to be at-fault for an accident in which you were involved, you will have to deal with penalties, fines, possible license suspension, and even possible jail time. That’s in addition to having to pay the property and medical bills for the accident.
Minimum Motorcycle Insurance Requirements in New Hampshire
If you do decide you’d like to get motorcycle insurance, be sure you understand the limits. They are as follows:
- $1,000 for medical payments
- $25,000 for destruction or damage of property
- $25,000 for death or physical injury to one individual
- $50,000 for death or physical injury to two or more individuals
These limits are in place for good reason. If you want more information and help to figure out your motorcycle insurance policy perimeters, you can discuss it with Associated American Insurance of the Manchester, NH area.