Motorcycle Insurance Atlanta: Discounts for Gang Members
Motorcycle Insurance Atlanta
Between 2004 and 2008, motorcycle ownership rose more than 60% to nearly 200,000 registered motorcycles on Georgia roads. Using a motorcycle instead of a car can save money on fuel costs and can provide a unique way to experience the open road. However, motorcycle accidents have the potential to be costly, especially since you have less protection on a bike than in an enclosed car or truck. A suitable Georgia motorcycle insurance policy in place is extremely important. Do you need motorcycle insurance in Nashville?
This coverage automatically comes with the following minimum limits:
$25,000 bodily injury per person
$50,000 bodily injury per accident
$25,000 property damage per accident
In the event of an at-fault accident, your liability coverage goes toward paying others’ injury or property damage bills, up to the limits on your policy. So if you had the minimum limits, for example, and you collided with someone’s SUV, your insurer would cover up to $25,000 for their repairs.
Collision coverage protects your bike in an accident under nearly every circumstance. It may or may not include uninsured/under-insured coverage. If it doesn’t, be sure to add it on. Comprehensive, on the other hand, covers items like fire, wind, water, and other “Acts of God,” as well as theft and vandalism.
If you have a fairly new or expensive machine, the costs of even a single drop in a parking lot can be staggering. For this reason, it’s smart to consider additional coverage options like these.
Keep in mind, you always have the option of selecting higher limits than the bare minimum. And given how fast post-accident bills can snowball, having more protection is a smart way to safeguard your finances and your family’s future, and add some much-needed peace of mind to your riding.
Things to consider and questions to ask your agent
Your agent is an advocate for finding insurance that meets your specific needs. Here are a few things to consider as you prepare for the discussion:
How much can I afford to pay if my motorcycle is in an accident, damaged or stolen? (Ask your agent what your cost savings would be if you raised your deductible.)
What discounts and programs are available? (Ask about discounts for taking safety classes or having multiple policies. You may also save money if your motorcycle is stored in a garage or if you belong to a motorcycle association.)
How much medical and liability coverage should I have?
Does the insurance company have a good reputation for customer service? Is it known for paying claims fairly and promptly?
What’s the process for filing and settling a claim?
