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The Murphy Insurance Blog


News, updates and useful tips about insurance products and the insurance industry. We also provide insights on community events, local news and information that affect your everyday life. Enjoy!

If you’re a motorcycle enthusiast, once spring is here you can’t wait until the weather gets good enough to get your bike back on the road.  After sitting out the winter, you’ll be going through a check list to get your motorcycle tuned up, polished and road ready. 

Make sure your insurance policy is up to date and reflects your current situation.

It’s exciting to get back out there, but before you do, be sure that you also do a check up on your motorcycle insurance in addition to the motorcycle itself.

motorcycle insuranceUpdate your insurance coverage

During the winter months, you may have taken your bike off the road or temporarily reduced coverage limits. If you have a plate on your bike, you may be tempted that first warm day to take it for a ride, but if you haven’t switched your policy back to the limits you normally carry on your vehicles, don’t take the chance. If you or someone else is injured, you’ll more than regret making an impulsive decision.  Also, if you’ve moved or had a significant change in how many miles you ride, it might change your insurance premium amount.

Coverage for your bike and equipment

New motorcycle replacement – If you have a new bike, ask about special replacement cost coverage. New motorcycles depreciate quickly, so this endorsement will provide funds for a brand new motorcycle if you have a loss within a specific time frame or number of miles.

Custom bike equipment or accessories – If you’ve been sprucing up or customizing your bike, be sure that the value of your upgrades are listed in the value.  Unless you specifically add them, they may not be covered.

Gear & personal belongings – If wear special protective gear or carry personal belongings, check how your insurance policy covers these items or if you need a special endorsement.  You could save money in an accident if personal property is covered under the vehicle deductible rather than under your home/renter policy.

Coverage for injuries to others or yourself

When you’re on a motorcycle, you’re far more exposed than when riding in a vehicle, so be sure that your policy has top notch.

 Guest riders and yourself – Not all policies automatically cover guests, so be sure that you have coverage even for occasional riders.  Also consider medical payments coverage that can pay for medical expenses for you or guests, which can be significant even if you have good health insurance due to deductibles and other costs. Another coverage option is uninsured or underinsured motorist coverage, which will cover your in the event someone that causes you injury isn't properly insured.

Bodily inury to others – Even though you're on a smaller vehicle, it doesn't mean that you can't be at-fault for causing an accident. Be sure your policy has higher limits in case you swerve or somehow are responsible for causing injury. 

Our insurance Associates can walk you through your motorcycle insurance coverage and discuss options for better protection. Even if it’s only been a few months, looking at your coverage with fresh eyes is always smart before getting back on the road. Situations can change and it never hurts to review. Being properly protected will make your summer fun all the more enjoyable.

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