Category: Motorcycle Insurance

Is Comprehensive Coverage Worth It for Your Motorcycle?

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Comprehensive motorcycle insurance protects you, your motorcycle, and others against risks such as fallen trees, floods, and other natural disasters. The team at Roark Insurance Agency in Flatwoods, KY, has created an overview to help you understand comprehensive motorcycle insurance and determine whether it suits your needs.

What Is Comprehensive Motorcycle Insurance?

Imagine waking up to find your motorcycle crushed under a heavy branch after an unexpected windstorm. Typically, collision coverage does not cover this type of loss. In contrast, comprehensive insurance protects against collisions with objects other than another vehicle, such as a car, truck, or SUV. If you are concerned about theft, vandalism, or fire, investing in comprehensive coverage can provide valuable protection.

From animal strikes to flash floods, life can throw unexpected challenges your way. Fortunately, comprehensive coverage ensures your bike is protected even when it is not on the highway. Consider adding this coverage for extra protection when parking or storing your motorcycle during the offseason. Spend your time planning your next adventure, not worrying about how to pay for damages caused by non-vehicular collisions.

Do You Need Comprehensive Coverage?

Many riders choose to add comprehensive coverage to avoid stressful financial losses. If you have a loan on your motorcycle, your lender may even require this coverage. No matter how carefully you ride, some risks are beyond your control. Comprehensive coverage can help you prepare for unpredictable moments that might otherwise sideline you until the next riding season.

Once you decide to add comprehensive coverage, you will need to determine the appropriate level of coverage for your needs. An insurance agent can help you review your options and ensure you are confident in your upgraded policy. Contact one of our knowledgeable professionals at Roark Insurance Agency today for assistance with motorcycle insurance in Flatwoods, KY.

Have a Custom Bike? Here’s Why You Need Motorcycle Insurance

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Most states mandate motorcycle insurance. However, not all riders may have it in place. Some may hold the belief that their basic motorcycle doesn’t necessitate insurance. But what if you have a motorcycle with many customizations, be it in the form of structural modifications or added accessories? In such a scenario, insurance becomes vital. But why? Can insurance cover more than just the basic cost of your motorcycle? At Roark Insurance Agency in Flatwoods, KY, we’ll not only elucidate the importance of motorcycle insurance but also help you connect with suitable policies to ensure your safety and protect your cherished investment on the open road.

Why Consider Insurance for Your Custom Motorcycle?

Most riders may assume that motorcycle insurance merely covers the cost of the bike. If the majority of your expenditure is on customizations and the bike itself isn’t of significant worth, you might assume insurance isn’t necessary. However, add-ons to your policy can indeed cover your customizations. Additional accessories coverage and custom parts protection can provide the funds you need to replace some aspects of your bike in case of a collision or other incidents on the road. As long as your customizations are insurable (some might be deemed too risky and may be declined), you’ll be assured of being covered in all situations.

Choose Motorcycle Insurance and Add-ons with Roark Insurance Agency

Motorcycles can represent a considerable investment, especially when you continually enhance them over the years. We’re here to help safeguard that investment. Compare quotes now with us at Roark Insurance Agency in Flatwoods, KY!

Common Mistakes People Make When Purchasing Motorcycle Insurance

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Purchasing motorcycle insurance is a crucial step in ensuring your safety and protecting your investment. However, here at Roark Insurance Agency, serving Flatwoods, KY, we’ve seen people make several common mistakes that can lead to inadequate coverage or unnecessary expenses. And we want to help you avoid them.

Here are some of these mistakes and insight on how to avoid them:

Underestimating Coverage Needs

Start by assessing your specific needs. Consider factors like your riding habits, the value of your bike, and potential risks. Ensure your policy provides sufficient coverage for bodily injury, property damage, and underinsured/uninsured motorist protection.

Neglecting Accessory Coverage

Many riders customize their motorcycles with accessories, but these are often overlooked when purchasing insurance. Opt for a policy that includes accessory coverage or consider adding an endorsement to protect your aftermarket additions.

Ignoring Discounts and Bundle Options

Insurance companies offer various discounts for safe riding records, completing safety courses, and bundling policies. Take advantage of these discounts to reduce your premiums while maintaining robust coverage.

Not Comparing Quotes

Don’t settle for the first insurance quote you receive. Shop around, compare rates, and evaluate the coverage offered by different insurers. It’s the best way to find a policy that suits your needs and budget.

Schedule A Consultation Today

Avoiding common mistakes when purchasing motorcycle insurance is essential to ensure you have the right coverage at a reasonable cost. By understanding your coverage needs, considering accessory protection, exploring available discounts, and comparing quotes, you can make a well-informed decision that keeps you and your motorcycle well-protected on the open road. When you need to purchase a new motorcycle insurance policy in the greater Flatwoods, KY region, the team at Roark Insurance Agency would love to help. Call us now.

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