Frequently asked questions about motorcycle insurance

Many people ride motorcycles, but not all of them carry insurance. It could be a matter of trying to save money, but it also could be a lack of understanding or unanswered questions.Kerndt Brothers Insurance Agency is happy to serve Lansing, IA area bikers with all their insurance needs and queries.

Here are some common questions people ask about motorcycle insurance.

Frequently asked questions about motorcycle insurance

Is my motorcycle trailer covered?

It depends on your insurance policy. Most motorcycle insurance policies do not cover trailers. You might have to talk with your insurance agent about whether or not your policy includes a trailer. In most cases, you need a separate insurance policy for your motorcycle and trailer.

What is comprehensive and collision coverage?

Comprehensive coverage covers damage from anything that isn’t a collision. This damage can include fires, weather-related damage, natural disasters, etc. Collision coverage provides compensation for damage done to your motorcycle in an accident. Collision coverage is for when the accident was your fault, and your motorcycle got damaged. If the other party is responsible, their liability insurance will cover the damages.

What is liability coverage?

When you are responsible for causing an accident, liability insurance takes care of the damage and medical costs for the other party. It also takes care of any legal bills you incur if you end up with a lawsuit for the accident.

Are my friends covered if I let them ride my motorcycle?

If your friend is licensed and has permission to ride, your liability should cover them if they were to cause an accident.

Are there motorcycle insurance discounts?

Many insurance companies have different guidelines in place for discounts, such as paying in full upfront, bundling, and safe driving.

Reach Out To Us Today

If you have more questions, contact us at Kerndt Brothers Insurance Agency in Lansing, IA.