Motorcycle Insurance in Hickory, NC
Riding a motorcycle offers freedom and excitement, but it also comes with certain risks. While a single event can result in substantial costs, the right motorcycle insurance policy can help you manage potential losses that you would otherwise pay out of pocket.
What Does Motorcycle Insurance Cover?
A standard motorcycle insurance policy often includes the following:
- Liability coverage may cover third-party bodily injury and property damage you may cause to others in an accident.
- Collision coverage may help pay for damage to your motorcycle if you’re involved in a crash, regardless of who is at fault.
- Comprehensive coverage may offer financial support after noncollision incidents such as theft, vandalism or weather-related damage.
- Uninsured/underinsured motorist coverage may reimburse costs following an accident with an at-fault driver who doesn’t have enough insurance.
- Medical payments coverage may cover medical bills for you and your passenger after an accident.
It’s essential to note that you can enhance your coverage with endorsements or add-ons, allowing you to customize your policy to better meet your needs as a rider. Endorsements can cover motorcycle accessories, original equipment manufacturer (OEM) parts, roadside assistance, trip interruption and total loss, among other damages.
How Much Coverage Do I Need?
The cost of motorcycle insurance can differ based on several factors, such as your age, riding experience, type of motorcycle, coverage selections and driving history. In North Carolina, anyone operating a motorcycle is required to carry liability insurance. Riders must keep a valid proof of insurance with the bike or on their person at all times.
Explore Your Options
Our team at Davis Insurance Group can help you assess your needs based on your motorcycle, riding habits and budget. Contact us today to discuss available options and get a personalized quote.