At Long & Company, our reputation for valuable and affordable motorcycle insurance precedes us. We aren’t known for offering cut-rate policies with minimal coverage. Instead, we want to protect riders and their bikes against the risks of the road – all with affordable and competitive premiums. You have enough to think about when your rolling on two wheels. Get a little more peace of mind with Oconomowoc motorcycle insurance you can depend on from Long & Company.
Protection for Different Types of Bikes
The motorcycles we help insure are as different as the people who ride them. We offer coverage for many different makes and models, from Harleys and Hondas to BMWs and Yamahas. Whatever you ride, chances are we can find coverage for it. Examples include:
- Cruisers
- Mopeds
- Scooters
- Sport bikes
- Trikes
- And more
Protection Against Risks
Are you worried about how you would pay for your medical bills if you were injured in a motorcycle accident? We have coverage for that. Do you ever think of the financial repercussions that come with causing a collision that injures someone else or damages their property? We can help with that, too. In fact, we offer insurance for nearly every scenario, from totaling your motorcycle to finding yourself stranded with a flat tire in the middle of the night.
Types of Motorcycle Insurance Coverage
There are several types of coverage in a typical Wisconsin motorcycle insurance policy. Some are mandatory according to state law, and a lender may require others if you financed the purchase of your motorcycle. Some coverages are purely optional, but they add tremendous value to your policy and minimize your risk of out-of-pocket costs. Talk to your agent to learn more about the various types of motorcycle insurance coverage and how they work to protect you against loss.
Physical Damages and Loss
How much would it cost to buy another motorcycle just like the one you own? What about the cost to repair your bike if it were damaged? If you wreck your motorcycle in a collision or it gets stolen out of a restaurant parking lot while you dine inside, motorcycle insurance can help compensate you for the damages or total loss of your bike. This coverage can pay for repairs to your motorcycle or reimburse you for the value of your bike when it is damaged beyond repair as a result of a covered event. Why spend thousands of dollars when motorcycle insurance can limit your out-of-pocket costs to only your deductible?
Liability
When you hit another motorist or run your motorcycle through someone’s fence, you are likely responsible for the damages. Motorcycle liability insurance helps cover the cost of repairing property damages and paying for medical bills when you are at fault for third-party losses. It can also pay for litigation expenses if you are sued, such as court costs and lawyer fees. If you settle out of court or receive a judgment for damages, motorcycle liability insurance can also cover these expenses up to the limits of your policy.
Special Equipment
If you are like most other riders, your motorcycle is your pride and joy. You put a lot of love into your bike, with plenty of upgrades and special equipment that customize and add value to your ride. Make sure your bike enhancements are covered with special equipment coverage through Long & Company.
OEM Parts
The original equipment manufacturer parts on your bike are likely more expensive than generic, after-market parts. However, many repair shops use generic parts to help lower the cost of repairs. OEM parts insurance assures that your bike will be repaired after a covered loss using only OEM parts when available.
Uninsured/Underinsured Motorist (UM/UIM)
Motorcycle riders are more likely to be injured by other motorists than people who drive traditional vehicles. If a driver hurts you, he or she is responsible for your injury-related expenses. If the driver is uninsured, however, your uninsured motorist insurance can help cover the cost of your injury-related losses, giving you the compensation you need faster than you may have been able to acquire it using the legal system alone. Likewise, underinsured motorist (UIM) insurance helps fill in blanks when an at-fault driver has too little coverage to cover your loss fully.
Medical Payments
You may not intend to injure yourself while riding, but accidents can happen. Whether you accidentally lay your bike over on the highway or get hit by another driver, medical payments insurance can help pay a limited amount of compensation toward necessary medical bills, regardless of who is at fault for the accident.
Roadside Assistance and Towing
Unlike a car, motorcycles offer no shelter from the elements. That is all the more reason to ensure your policy includes coverage for roadside assistance and towing, so you can get moving again as quickly as possible after a covered breakdown, flat tire, or another setback.
Rental Car Reimbursement
When your motorcycle is being repaired after an accident, you still need a means of transportation. Rental car coverage can help pay for temporary rental car fees until your car gets running again.
Request Your Wisconsin Motorcycle Insurance Quotes Today
All coverage purchased through Long & Company comes with the exceptional service and ongoing support that we are known for. As a local Oconomowoc agency, we want to be your go-to source for motorcycle coverage and more. Whether you just need coverage for your bike or want insurance for a car or house, too, we offer comprehensive insurance solutions to fit nearly every need.
