If you own a bike, you know that it comes with its share of responsibilities. You may have greater freedom on the road, but you also have an obligation to protect yourself and others against accidents. Motorcycle insurance from Kempton Insurance Group offers all the protection you need. Here’s what you should look for when purchasing a motorcycle policy in Charlotte, NC.
Liability insurance is the coverage that protects others in accidents you cause. If you’re at fault for a road accident that sends someone to the hospital or leaves their vehicle a wreck, liability insurance helps cover their medical or property damage costs. North Carolina requires that you carry minimum motorcycle liability insurance. However, if you’re an avid rider, you may want to purchase more to safeguard your travels in Charlotte, NC, and beyond.
Collision insurance protects you against crashes into other vehicles or objects. If, for example, you lose control of your bike on a slippery road and crash into a tree, collision insurance will help cover repairs to your bike. If your bike is totaled in a crash, collision insurance helps cover the cost of replacing it.
This insurance covers damage to your bike from non-collision causes like hail, windstorms, falling objects, vandalism, fire, etc. It also protects you against theft.
Uninsured Motorist (UM) Coverage
UM coverage will cover these costs if you’re hit by someone with no insurance or insufficient insurance to pay for your bike’s repairs.
You never know when your bike will falter and leave you stranded by the side of the road. This coverage helps pay for jump-starting your bike or towing it to a nearby shop so you can get repairs done.
For quality motorcycle coverage at affordable costs, call or visit your Kempton Insurance Group agent today.