What Does Motorcycle Insurance Cover?

what does motorcycle insurance cover In South Carolina

What Does Motorcycle Insurance In South Carolina Cover?

Motorcycle insurance has many different coverage options that all effect the price of your motorcycle insurance policy. Insurance companies may differ in how they handle these policy options so make sure to ask your agent if you have any questions.

Motorcycle Insurance Coverage

  • Liability: Liability coverage pays for damages or injuries you cause to others in an accident, including property damage and bodily injury.
  • Collision: Collision coverage pays for damage to your motorcycle if you collide with another vehicle or object.
  • Comprehensive: Comprehensive coverage pays for damage to your motorcycle from non-collision events, such as theft, vandalism, or weather-related damage.
  • Uninsured/Underinsured motorist: Uninsured/underinsured motorist coverage pays for damages and injuries if you are involved in an accident with someone who does not have insurance or has insufficient insurance to cover the damages.
  • Medical payments: Medical payments coverage pays for medical expenses for you and your passengers if you are injured in an accident.

Additionally, motorcycle insurance policies may offer coverage for optional add-ons, such as:

  • Aftermarket parts: Coverage for aftermarket parts and accessories that are added to your motorcycle.
  • Roadside assistance: Coverage for emergency roadside assistance, such as towing, fuel delivery, and lockout services.
  • Trip interruption: Coverage for expenses related to a breakdown or accident that occurs while on a trip, such as lodging, meals, and transportation.

It's important to carefully review your motorcycle insurance policy to understand what types of coverage are included and any limitations or exclusions that may apply.

What Does Motorcycle Insurance In South Carolina Not Cover?

  • Wear and tear: Motorcycle insurance typically does not cover repairs or replacements needed due to normal wear and tear.
  • Intentional acts: Damage caused intentionally, such as vandalism or reckless driving, is not covered by motorcycle insurance.
  • Racing: Motorcycle insurance typically does not cover damage or injuries sustained while racing.
  • Off-road use: If you use your motorcycle for off-road activities, such as dirt biking or motocross, it may not be covered by your insurance policy.
  • Customizations: Customizations, such as paint jobs, chrome parts, or additional accessories, may not be fully covered under a standard motorcycle insurance policy.
  • Illegal activities: If you cause an accident while engaging in illegal activities, such as street racing or committing a crime, your motorcycle insurance may not cover the damages or injuries.

It's important to carefully review your motorcycle insurance policy to understand what is and is not covered. If you have any questions about your coverage or exclusions, it's always best to speak with your insurance agent

 

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More South Carolina Motorcycle Insurance FAQ's:

what does motorcycle insurance cover In South Carolina

shoppyInsurance Shopping Expert Tip: "In our years of experience we have heard the insurance term insurance poor many times. We want to make sure you have all the coverage you need to protect you at a fair price. We have never heard someone say they had too much insurance when something bad happens."

Motorcycle Insurance Discounts In South Carolina

Discounts For Motorcycle Insurance In South Carolina

Motorcycle Insurance Discounts In South Carolina

Motorcycle insurance has some great discounts available to help lower the price of your motorcycle insurance policy. Insurance companies may differ in how they handle these discounts so make sure to ask your agent if you have any questions.

Motorcycle Insurance Discounts

  • Safe Driver Discount: This discount is typically offered to riders who have a clean driving record with no accidents or traffic violations within a specified period.
  • Multi-Policy Discount: If you have more than one policy with the same insurance company, such as motorcycle and auto insurance, you may be eligible for a discount on your premiums.
  • Multi-Motorcycle Discount: If you insure more than one motorcycle on the same policy, you may be eligible for a discount.
  • Anti-Theft Device Discount: Installing anti-theft devices on your motorcycle, such as an alarm or tracking system, may qualify you for a discount on your insurance premiums.
  • Motorcycle Safety Course Discount: Completing a motorcycle safety course approved by your insurance company may result in a discount on your premiums.
  • Loyalty Discount: Staying with the same insurance company for an extended period of time may result in a loyalty discount.
  • Association Membership Discount: Some insurance companies offer discounts for riders who belong to certain motorcycle associations.
  • Payment Method Discount: Paying your insurance premiums in full or setting up automatic payments may result in a discount.

Keep in mind that the availability and amount of discounts may vary by insurance company and state, so it's important to ask your insurance agent or company about the discounts available to you.

 

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More South Carolina Motorcycle Insurance FAQ's:

Discounts For Motorcycle Insurance In South Carolina

shoppyInsurance Shopping Expert Tip: "With our years of experience shopping motorcycle insurance rates we will try and find every discount available to you for your motorcycle insurance policy."

Motorcycle Insurance In South Carolina

motorcycle insurance In South Carolina

Find The Best Rates For Your Motorcycle Insurance Needs In South Carolina

What Is Motorcycle Insurance?

Motorcycle insurance is a type of insurance policy that provides coverage for motorcycles, mopeds, scooters, and other two-wheeled vehicles. Like car insurance, motorcycle insurance typically includes liability coverage, which pays for damages or injuries you cause to others in an accident, as well as coverage for damage to your own vehicle.

The cost of motorcycle insurance varies depending on factors such as the type of motorcycle, your driving record, your age, and your location. It's important to shop around and compare quotes from different insurance providers to find the best coverage and rates for your needs.

 

shoppyInsurance Shopping Expert Tip: "In our experience different types of motorcycles need different coverage options and we have the perfect coverage packages for your bike."

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What Are Some Things To Consider When Buying Motorcycle Insurance in South Carolina?

When buying motorcycle insurance in South Carolina, there are multiple things to consider:

  • Minimum Coverage Requirements: South Carolina requires a minimum amount of liability insurance coverage for motorcycle owners. The minimum requirements are $25,000 for bodily injury per person, $50,000 for bodily injury per accident, and $25,000 for property damage.
  • Coverage Options: Determine which types of coverage you need and how much coverage you want. In addition to liability coverage, you may want to consider collision coverage, comprehensive coverage, uninsured/underinsured motorist coverage, and medical payments coverage.
  • Deductibles: Decide on the amount of deductible you're comfortable with. A higher deductible will result in lower premiums, but it also means you'll be responsible for a larger portion of the costs in the event of a claim.
  • Discounts: Ask about available discounts, such as safe driver discounts, multi-vehicle discounts, and discounts for completing a motorcycle safety course.
  • Exclusions: Be aware of any exclusions in your policy, such as coverage for aftermarket parts or accessories.
  • Limits: Determine how much coverage you need for each type of insurance. It's important to choose limits that will adequately cover your potential losses in the event of a claim.
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