Kapasu Insurance Services Inc. Blog
Motorcycle incidents can cause severe injuries to motorcyclists. Many bikers learn that they lack coverage after an accident. Insurance can give different emotions. It can provide a feeling of security and peace. It can also confuse when trying to learn what is covered and what isn't.
Misconceptions Of Motorcycle Insurance
There are different misconceptions when hearing about motorcycle insurance. Some may understand the need for it, and some may not. Here are some of the common misconceptions of motorcycle insurance.
"I don't need medical coverage for my motorcycle policy. I have health insurance."
People decline medical payments coverage because they have health insurance plans. Most people assume that health insurance will cover the medical expenses due to injury resulting from a motorcycle accident. Medical payment coverage covers reasonable medical expenses if an accident occurs, regardless of fault.
Comprehensive and Collision Coverage Are Interchangeable
Comprehensive protects the damages that occur that are not caused by collision. It usually covers things such as theft, fire, weather damage, or vandalism.
Collision protects the physical damage when your motorcycle hits. The crash also saves you from getting hit by another vehicle.
Comprehensive and collision coverages aim to help get your motorcycle fixed and back on the road as quickly as possible.
"My driving record will not affect my motorcycle insurance."
Some people with multiple accidents or violations are considered a more significant insurance risk than those without accidents. The higher the risk, the higher the insurance rates than if you had a decent driving record.
How To Prevent Them
Knowing misconceptions can help you understand the things that are important in obtaining motorcycle insurance.
The best motorcycle insurance for you is always essential. It would be best always to remember to ask and weigh the risks and possibilities that may come in getting your motorcycle. Do not be afraid to ask anyone. Asking is always the best way to get the correct answers that you need to hear.
At Kapasu Insurance Services Inc., we do our best to ensure that our clients are well-protected with affordable and comprehensive policies. We make sure to go the extra mile to help you with your needs. To learn more about how we can help you, please contact our agency at (760) 995-3853 or Click Here to request a free quote.
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