An Introduction to Motorcycle Insurance

That new 150cc motorbike you just bought your teen needs insurance. No matter where they ride it, you need to insure it. Here at Redden Insurance Agency of Bradley WV we can help you determine which of your two and three-wheeled rides need motorcycle insurance.

Legally, any two or three-wheeled vehicles of more than 49ccs must carry insurance. That means any motorcycle or trike you could legally drive on the WV roads needs insurance.

The alternative is you paying out of pocket for any accident your child causes. It also means replacing the bike at your own cost. Insurance provides the least-cost alternative.

WV requires minimum insurance on motorbikes, too. The law says you  must purchase insurance that covers:

  • property damage per accident of $10,000,
  • bodily injury and death liability coverage per accident per person of $20,000,
  • bodily injury and death liability coverage per accident of $40,000.

Just as there are other types of coverage for your car, there are motorcycles. You may also want uninsured motorist, collision and/or comprehensive coverage. If your teen will be riding their motorbike to and from school or work, you should also consider towing insurance. This means they would have tow service coverage in case of break down so you do not need to leave work to go get them and take the bike to the shop. It makes good sense to obtain full coverage.

We can help you determine the right level of coverage and help you understand the many facets of insurance types. Call us today at Redden Insurance Agency of Bradley WV to discuss your motorcycle insurance needs.

5 Tips for Safe Motorcycle Riding

People ride motorcycles for different reasons. Some want to save time. Others want to save money. Many just want to enjoy greater freedom on the road. Learning how to ride safely is key to enjoying your motorcycle to the full. The following safety tips from Redden Insurance Agency, Bradley WV, can help protect you on your travels.

Service Your Bike

Regular maintenance will keep your motorcycle in excellent shape for short or long-distance travel. It’s also good to spot check your motorcycle every time you take it out to make sure the lights, signals, brakes, and tires are in good working order.  

Wear Protective Gear

Protective gear to include a full-face helmet, leather jacket, boots, and gloves can help protect you from serious injury in the event of an accident. If you’re riding at night, be sure to wear reflective clothing so you can be easily seen by other drivers.

Keep an Eye on the Weather

Keep an eye on weather conditions where you’ll be riding. If the forecast calls for rain, ice or snow, consider another form of transportation. If you do ride in bad weather, avoid speeding by giving yourself plenty of time to arrive at your destination safely.   

Use Signals and Stay Visible

Keep your headlight on at all times and use signals to let other drivers know when you plan to turn or change lanes for passing. Give yourself ample space to maneuver and stay visible by avoiding other vehicles’ blind spots.  

Ride Defensively

Avoid dangerous situations that can lead to an accident. Don’t drink and ride. Stop and rest on long-distance travels to avoid riding when you’re tired. Make safety a priority.

Last, but not least, make sure you have adequate motorcycle insurance coverage for your travels. Call or visit Redden Insurance Agency, Bradley WV, today for all your motorcycle insurance needs.

Understanding Motorcycle Insurance

West Virginia is an excellent place to own a motorcycle. Riding along routes that are high on the Top 100 routes in America, the sun shining on your face, while you take in the glorious nature around you is a great way to spend the day. With all of the beauty you have to experience, you do not want insurance to slow you down. At Redden Insurance Agency, we want to get our Bradley WV friends on the road quickly, so we put together this quick guide on motorcycle insurance to help you through the process.

West Virginia Motorcycle Insurance Requirements

At minimum, a motorcycle owner is to carry liability insurance. This includes:

  • $20,000 bodily injury per person
  • $40,000 bodily injury per accident
  • $10,000 property damage per accident

While this will keep you legal, it may not be enough to protect you in the event of an accident, leaving you to pay out-of-pocket. Consider adding the following coverage to your policy for additional protection:

Uninsured/Underinsured Motorist

Some motorcyclists are not insured at all while others may be from areas that require lower amounts of coverage. If you get into an accident with one of these people, you need to be sure that your property is covered.

Collision

Collision coverage is intended to protect your bike in the case of a collision with an object, like a street sign, or another vehicle.

Comprehensive

Comprehensive is designed to cover your bike in the event of damage that is not the result of a collision. For instance, comprehensive coverage is protection against things like weather related damage or theft. The specifics of what is covered will be stated in your policy.

At a minimum, Bradley WV residents should be sure to have liability coverage for their bikes. However, it aim to get the maximum insurance that you can comfortably manage.

We want to help you get the coverage you need so you can enjoy your motorcycle. Stop by Redden Insurance Agency or give us a call today for your no-obligation quote!

Does your basic motorcycle insurance policy protect your bike from theft?

Owning a motorcycle is a great way to get around and also explore the many beautiful areas that surround Bradley WV. We live in a scenic part of the country, and seeing it all on the back of a bike is a great way to enjoy it! If you have a basic policy covering your bike, it may not provide all of the protection that you want and need. Reviewing your motorcycle policy options before choosing the one that works for you, is always a smart idea! The team here at Redden Insurance Agency is here to help you determine which policy types and levels meet your needs and provide the protection you want.

Theft Protection for Your Bike

In West Virginia, many motorcycle owners opt for basic policies that meet state guidelines and requirements, but don’t always provide a high level of protection. With a more comprehensive policy, you can add theft protection along with coverage for liability and injury. In fact, many clients find that the basic policy is not a good fit for their needs once they take a closer look.

Theft is never a pleasant experience, and it only gets worse when you find out that your policy does not provide the protection you need. Insurance is something that you want to have in place before you need it! Make sure that you’re protected.

Want to make sure that your bike is protected from theft and other damages? Give the team at Redden Insurance Agency a call today and find out more! There are many outstanding motorcycle insurance policy options available to residents in the Bradley WV area, and we are here to help you find the one that meets your needs. Call us today,