Franklin Insurance Agency

2345 Southern Blvd SE Ste C4,
Rio Rancho, NM 87124, United States

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What Is And What Is Not Covered By Motorcycle Insurance?

Riding a motorcycle is a fun but dangerous activity, and it should be taken seriously. Every day, there are hundreds of motorcycle accidents happening in the world. Even though you cannot protect yourself from a motorcycle accident having motorcycle insurance is a smart way to protect yourself on the road. If you have any questions about this type of insurance, Franklin Insurance Agency serving clients in Rio Rancho, NM prepared a list of what is and what is not covered by motorcycle insurance:

What Is And What Is Not Covered By Motorcycle Insurance

Here is what is usually covered by motorcycle insurance:

  • Damages to a motorcycle 
  • Injury to yourself if you are involved in a road accident with an uninsured vehicle. 
  • Such unexpended events as theft or vandalism will be also covered by standard motorcycle insurance.

However, unfortunately, standard motorcycle insurance will not cover: 

  • Track days and competition. There are some motorcycle insurance policies that will cover truck days but not all of them. Make sure to ask your insurance agent about the coverage they provide. 
  • Commercial use of your motorcycle. Some people use their vehicles for commercial purposes. For example, a person may use a motorcycle to use as a courier. In this case, motorcycle insurance does not cover a motorist and motorcycle. 

 If you are a lucky owner of a motorcycle in Rio Rancho, NM or any other nearby town, and you are looking for motorcycle insurance, Franklin Insurance Agency will be glad to help you. If you have any questions about the options available, feel free to give our insurance agency a call – our insurance agents will provide you with all the necessary information.