We make it quick and easy to get motorcycle coverage, so you can get on the road. We specialize custom policies at an affordable cost, while getting a local agent who cares. There are lots of available discounts that we include to get you the best rate like the quote in advance discount, motorcycle license discount, safety course discount, responsible driver discount, and pay on time discount… just to name a few. You deserve great coverage that is included standard in your policy, such as full replacement cost, OEM parts, medical coverage, and accessories/custom parts coverage.
Types of Coverage:
Liability Insurance
As a biker, you know there are a lot of risks to owning and riding a motorcycle. As you are more exposed to the elements and less likely to be seen by other vehicles, accidents are common. This is why liability coverage is important, as it will protect you if you are found at fault for the cause of an accident. It will cover the costs of medical bills, damages done to the vehicles, and possibly lost wages if an individual is unable to return to work while they are recovering. This coverage can also help you with legal fees in case of a lawsuit.
Collision Coverage
If you have taken out a loan on your motorcycle, then you may have been required to have the bike under collision coverage. This kind of coverage helps to cover the costs of any damages done to your bike if you were to be hit by another vehicle. It also covers damages done if you were to fall off of your bike. If you find that this insurance is costing you more than the motorcycle is worth, then you may wish to reach out to Nickerson Insurance Agency. Still, it is recommended that you keep this type of coverage.
Uninsured/Underinsured Coverage
This coverage protects you and any passengers in the event of a collision with an uninsured, or underinsured, driver. It can help cover costs of damages done to your motorcycle in case the other driver’s insurance will not cover those costs.
Medical Payments Coverage
As mentioned before, riding a motorcycle can be a dangerous activity. Having medical payments coverage helps cover any necessary medical treatments necessary after an accident on your bike occurs. It will cover you as the driver and any passengers. This is a great coverage option especially if you do not have health insurance.
Our motorcycle insurance policies cover a variety of bikes:
- Scooters
- Mopeds
- Classic, standard, and custom motorcycles
- Trikes
- Cruisers
- Street bikes and more
Our CT motorcycle insurance policies cover expenses beyond just the cost of repair or replacement of your bike. Additional coverage includes:
- Costs associated with bodily injury to yourself or others involved in the accident
- Costs of any property damage you caused with your motorcycle
- Costs associated with motorcycle theft or vandalism
- Costs of damage sustained while your bike is in storage
(e.g. water or smoke damage).
For more information about these coverage options and how to include them in an umbrella insurance policy, please contact a D. M. Insurance Agency professional at 860.436.5339 .