Motorcycle Insurance in Modesto, CA
Whether you’re riding your motorcycle to work each day or heading out on weekend adventures, having the right coverage is crucial. Motorcycle insurance can provide financial protection to help avoid losses from unexpected incidents, so you can enjoy each ride more confidently.
What Does Motorcycle Insurance Cover?
Motorcycle insurance often offers a range of coverage to suit different riding styles and needs, including the following:
- Liability coverage may cover third-party bodily injury and property damage after an accident, if you’re found responsible for it.
- Collision coverage may help pay for your vehicle’s repairs or replacement after a collision, regardless of who is at fault.
- Comprehensive coverage may step in following noncollision events like theft, vandalism or weather damage.
- Uninsured/underinsured motorist coverage may offer financial support if you’re involved in an accident with an at-fault driver with little or no insurance.
- Medical payments coverage may cover medical bills for you and your passengers after an accident.
What Is Not Included in my Policy?
While standard motorcycle insurance can provide broad coverage, it typically excludes certain situations, such as the following:
- Damage from normal wear and tear, aging or mechanical and electrical breakdown
- Accidents that happen while participating in racing competitions or stunt riding
- Damage to, or caused by, modifications not disclosed to, or approved by, your insurer
- Any damage you intentionally cause to your motorcycle or someone else’s property
- Riding without a valid motorcycle license or while under the influence of drugs or alcohol
- Loss or damage to personal items carried on your motorcycle, unless you have specific personal property coverage
- Custom parts and accessories
- Riding outside the United States and Canada, unless it’s specified in your policy
Where to Get Motorcycle Insurance
If you’re looking for motorcycle insurance in California, our agents at SaveDirect Insurance Agency LLC can help you find coverage that fits your budget and lifestyle. Contact us today to get started.