You’ve just purchased your dream motorcycle and you can’t wait to cruise around time, but one of your peeps quickly reminds you about motorcycle insurance, and now you want to find out if it is required in Bradley, WV. First of all, we say congratulations on the acquisition of your new bike. At Redden Insurance, whose serving city is Bradley, we are telling you that it is mandatory to get motorcycle insurance before you can cruise around Bradley.
Here are the minimum limits for motorcycle insurance. When you acquire the cheapest insurance policy, you may get $10,000 for the destruction of property. You may get twice the amount for bodily injury or death of one person. And you may get up to $40,000 for bodily injury or death of more than one person.
The problem is that we don’t even think the cheapest insurance will give you enough protection. You may end up complementing the medical bills from your pocket. One accident can wipe out all your savings. We don’t want your motorcycle to plunge you into debt. We will advise you to include the following additional coverage.
Uninsured/Under-insured Motorist Coverage
Whether you believe it or not, there are many motorists that are under-insured or uninsured, and they are on the road. What happens if you get knocked down by any of them? Will you be waiting for the uninsured driver to rally round for funds? That’s why we will advise you to include this coverage.
You will be compensated if it is established that the driver that knocked you down is uninsured. That is what the coverage is meant for. In Redden Insurance Agency, we have settled such claims so many times. So, we can tell you that there are many under-insured or insured motorists on our roads in Bradley.
This coverage is meant to fix your bike or replace it if it gets damaged in a non-collision incident. It could be vandalism, flood, fire, wind, or a complete theft.
In case you collide with another bike, a motorist, or other objects, this coverage will fund the repair of your bike.
With these additional types of coverage, it should be clear that motorcycle insurance is meant to protect you and your property.