From helmets and gear to motorcycle safety courses, there are many ways that riders can stay safe on the road. However, accidents do happen. Not even the safest riders are invulnerable to mishaps – especially those caused by the negligence of others. A single motorcycle collision can become a major financial hardship without the right insurance protection. At Dennis Gutman Insurance, we make it our job to protect you while you ride with complete motorcycle insurance that can keep up with your pace.
If you ride it, we can probably help you find coverage for it. We work with insurance carriers that cover a wide range of vehicles, including:
- Sport bikes
- Cruisers
- Choppers
- Touring bikes
- Mopeds
- Scooters
- Trikes
- And more!
Types of Motorcycle Coverage
Your motorcycle insurance will not only need to meet state minimum requirements, but it will also need to protect you and your bike if you are in an accident. We offer a variety of coverage types, each designed to minimize your financial risk out on the open road.
Liability Insurance
Liability insurance helps you cover your financial responsibilities if you are at-fault for an accident. Common expenses include victim medical payments, property damage repair bills, lost wages, and more. If you are sued for an accident, your liability insurance can also help cover the cost of defending yourself in court.
Motorcycle liability insurance is required in Wisconsin, although the limits – currently $10,000 for property damage, $25,000 for bodily injury, and $50,000 for multiple people injured in an accident – are not enough to protect most drivers. Liability lawsuits can easily yield judgments of $100,000 or more. You are responsible for paying any expenses remaining once the limits on your policy are exhausted. Fortunately, we can offer motorcycle insurance with liability coverage designed to protect you from expensive litigation.
Collision Insurance
When your bike meets the pavement, the damages won’t be pretty. You know any damages you cause to another person’s property are covered, but what about your own? Collision insurance is protection for your motorcycle if you damage it in an accident. Whether you hit a car or slide your bike sideways across the road, your coverage can help cover the cost of repairs after an accident. It can also cover damages to your safety gear, such as your helmet and riding apparel.
Comprehensive Insurance
Your bike is always at risk – even when it’s not being used. If your motorcycle is ever stolen from your driveway or it is damaged by a fallen tree, comprehensive insurance can help pick up the pieces. Whether it is just a little banged up or considered a total loss, you pay a deductible, and comprehensive insurance helps pay to repair or replace your bike.
Equipment Insurance
The value of customized parts and equipment can total thousands of dollars. Your standard collision and comprehensive insurance may cover some equipment and accessories, but any high-value modifications and after-market parts may need additional coverage.
Medical Payments
Motorcycles are fun, but they can also be dangerous. You probably already know the risks you take when you ride. You may also know that medical bills after a motorcycle accident can add up quickly. We hope you never need to use it; but just in case, medical payments coverage can provide tremendous financial relief if you are ever injured in an accident.
Uninsured/Underinsured Motorist
If an uninsured or underinsured driver fails to spot your motorcycle while changing lanes, you could be forced to pay for your own losses. UM protection helps cover you when another driver has no (or not enough) liability insurance to cover your losses.
Trip Interruption
What better way to enjoy all your motorcycle has to offer than by taking it on a road trip? Of course, mechanical breakdowns and accidents do happen, and they can leave you stranded many miles from home. Trip interruption coverage can help pay for emergency lodging and alternate transportation until your bike is fixed.
Towing and Labor
Don’t let a minor setback slow you down. If your battery dies or you run out of gas, your insurance can help pay for 24-7 assistance. It can also cover towing charges if you break down or get stuck.
Motorcycle Insurance Quotes in Manitowoc, WI
If you live life on two wheels, make sure you have insurance that keeps pace. Contact us here at the Dennis Gutman Insurance to find out more about Wisconsin motorcycle insurance and discuss your options for coverage. We look forward to serving you soon.
