Custom Bikes, Scooters and Cruisers: Do You Have the Right Motorcycle Coverage?

An accident, theft or collision can result in repair bills, medical expenses and liability claims that add up quickly. For riders who carry only state-required minimum insurance or no coverage at all, those costs often come directly out of pocket.

The Financial Exposure Riders Face

Motorcycles are stolen at a higher rate than other vehicles. Repairs after a collision can be costly regardless of fault. If you cause an accident and injure another person, liability costs can exceed basic policy limits. A hit-and-run or an uninsured driver can also leave you absorbing expenses alone.

Coverage That Matches How You Ride

The right motorcycle insurance policy depends on what you ride and how you use it. Consider the following coverages:

• Collision coverage for damage to your motorcycle after an accident
• Comprehensive coverage for noncollision events like theft, severe weather damage and vandalism
• Liability coverage for injuries or property damage you cause to others in an accident
• Uninsured/underinsured motorist coverage for accidents caused by drivers with little or no liability insurance

Custom bikes, scooters and cruisers each carry different risk profiles. Talk to your broker about the right coverage for your needs.

Why Your Coverage Needs a Second Look

Many riders purchase a policy when they first buy their bike and never revisit it. If you’ve added custom parts, changed how often you ride, or moved to a new area, your current coverage may no longer reflect your situation. Reviewing your policy annually can help close gaps before they become problems.

Get the Right Financial Protection for Your Ride

Contact Valley Multi-Services, LLC today to review your motorcycle coverage and make sure your policy fits the way you ride. Our licensed agents serve riders in and around San Jose, CA and can compare options across multiple carriers to find optimal coverage.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.