Motorcycle / ATV Insurance in West Virginia
Choosing the right insurance policy is much like choosing the right motorcycle or ATV. You want it to fit your needs and lifestyle, but at the same time be within your budget. Although most states require you to carry a minimum amount of liability coverage, other types of optional coverage are usually available. Always ask your insurance agent or company representative which laws apply in your state.
In order to find out what coverage is best for you, it is important to understand all the options available.
Liability coverage
Liability insurance covers bodily injury and property damage that you may cause to other people involved in an accident. It doesn’t cover you or your motorcycle/ATV. Find out if your coverage includes Guest Passenger Liability that provides protection in the event that a passenger is injured on the motorcycle/ATV. Whether or not this is included depends on the laws of your state and the company issuing the policy.
Collision coverage
Collision insurance covers damage to your motorcycle or ATV if you are involved in an accident. Your insurance company pays for damages, minus your deductible, caused when you collide with another vehicle or object. Collision insurance usually covers the book value of the motorcycle before the loss occurred.
Comprehensive coverage
Comprehensive coverage pays for damages caused by an event other than a collision such as fire, theft or vandalism. However, just like collision coverage, your insurance company will pay for damages, minus your deductible, and will cover only the book value of the motorcycle or ATV.
Keep in mind most comprehensive and collision coverages will only cover the factory standard parts on your motorcycle or ATV. If you decide to add on any optional accessories such as chrome parts, a custom paint job, trailers or sidecars, you should look into obtaining additional or optional equipment coverage.
Yeager Insurance & Financial Services is an independent insurance and financial services agency serving West Virginia. To learn more about how we can serve your insurance and financial needs, please contact us at (304) 757-3900. You may also use this site to submit requests for insurance quotes 24 hours a day, 7 days a week.
