Email an Agent
Click to Call
Get Directions
Motorcycles can come with a variety of accessories, like the protective gear that you wear or the trailer that you use to transport items behind the bike. The problem is that your motorcycle insurance in Kearny, NJ may not always cover those items. Although your plan may offer options, you will want to read the policy to determine if you are covered or not.
Basic Plans
The basic insurance policy for your motorcycle will not usually have coverage for accessories. The minimum standards focus on liability and may not offer any protection for your bike or your accessories.
If you add accessory coverage to the basic plan, then you may be covered for most items. Keep in mind that the additional coverage is usually optional, so your plan may not have coverage unless you add it to the policy.
Comprehensive Policies
Purchasing a comprehensive policy may mean that you will have protection for any accessories. Keep in mind that policies will vary, so the details and the amount of coverage that you can expect will depend on the specific plan. Some policies may have limited coverage for your accessories and you may determine that you want to add to the plan.
When a comprehensive policy has limited coverage, find out the limitations and the items that are not covered so that you can buy a plan that focuses on the specific items that you want to protect and you will not have more protection than you want or need.
There are several options available to protect your motorcycle and your accessories. The key is focusing on your goals and identifying the type of coverage that you need so that you can determine if you are already covered. Contact us to talk to an agent for more details.