Here in Wisconsin, we know how to make the most of our warm weather months. For many, that means being a weekend warrior on your cruiser or utilizing your Moped for your daily commute. Whatever your fancy, make sure you are covered against injuries, damages, and other losses in the event of an accident. At Giuffre Wisconsin, we offer complete coverage for motorcycle riders so you can hit the road on two wheels (or three) without worrying about financial risks.
As an independent agency, we offer access to coverage from a wide range of Wisconsin motorcycle insurers. That means we can probably find coverage for whatever you ride, including:
- Sport Biles
- Touring bikes
- And more
Motorcycle Insurance Options
You have many options when it comes to your motorcycle insurance. Most policies contain several different types of coverage, each of which addresses different types of risk. At Giuffre Insurance, we help you make decisions based on facts and your actual risks – not just a guess or a state requirement. Our goal is to minimize your losses in the event of an accident by assessing the number of miles you ride each year, the value of your bike, where you typically ride, and how much you stand to lose in a lawsuit.
Your policy may include coverage for:
Property Damage and Bodily Injury Liability
All motorists in Wisconsin – including motorcycle riders – should carry property damage and bodily injury liability protection. These are two separate coverage types that help pay for damages you cause a third-party in an accident for which you are at-fault. This could include damages to another vehicle, a storefront, or a house, as well as expenses stemming from victim injuries, such as lost wages, medical bills, and more. It can also help cover your legal fees and court costs up to the limits of your policy.
Since vehicle-related lawsuits can often lead to tens or even hundreds of thousands of dollars in damages, we typically recommend purchasing as much motorcycle liability coverage as you can reasonably afford. This helps reduce the risk of a major financial loss that might otherwise affect your income, savings, and plans for the future.
You’ve invested a lot into your bike. If something happens to it, could you afford to repair or replace it? With physical damages coverage, you can rest assured that you will be compensated for damages to your own bike minus your deductible. Lenders often require this coverage per the terms of a motorcycle loan, but we typically recommend it to all riders. Your insurer may define physical damages coverage by two types: collision and comprehensive.
Collision insurance is protection for your bike when you damage it in a wreck. This could include a run-in with another vehicle or even an object. It can also help cover your bike if you roll it or lay it over on the highway.
Comprehensive insurance is protection for your bike when an event other than collision damages it. This may include hail damage, vandalism, or fire. It can also cover damages caused by fallen objects, run-ins with wildlife, or even the theft of your bike.
Many riders make upgrades and special equipment to their bikes. If you’ve installed aftermarket parts, chrome, or even a custom paint job, be sure to speak with your agent about including additional coverage for these enhancements.
There are certain portions of your bike that you may not want to be replaced with after-market parts. By including OEM parts coverage in your policy, you can assure your motorcycle is repaired with original equipment manufacturer parts whenever available, minimizing the impact of an accident on the valuation of your vehicle.
Uninsured/Underinsured Motorist (UM/UIM)
Not all drivers and riders are as responsible as you are. If a motorist injures you with no insurance, uninsured motorist coverage allows you to file claims against your own policy instead of having to recover compensation via other means, such as a lawsuit. Similarly, underinsured motorist coverage can help pay for your injuries when an at-fault motorist’s liability limits are too low to cover your losses fully.
Not to state the obvious, but motorcycle riders are at higher risk of accident-related injuries than drivers of traditional vehicles. Although many feel the rewards outweigh the risks, that is no reason to be without coverage for your immediate medical costs. Medical payments coverage can provide instant, no-fault compensation for you and your passenger if you are injured in an accident. Although this may not be enough to pay for all of your necessary medical bills, it is often enough to help cover co-pays or health insurance deductibles while you sort out any liability disputes.
Roadside Assistance and Towing
If your motorcycle breaks down, your insurance could help cover the cost of emergency assistance, whether for fuel delivery, tire change, or even towing charges. This coverage is often available 24-hours a day and usually includes the cost of labor charges only.
Rental Car Reimbursement
Perhaps you have another vehicle you could drive if you were to wreck your bike. If not, you might need a rental car to drive while your motorcycle is being repaired. With rental car reimbursement, your insurer can help cover the cost of renting a vehicle until you get your bike out of the shop.
Motorcycle Insurance Discounts
Why pay more for quality motorcycle insurance coverage than you must? By shopping for coverage through an independent agent here at Giuffre Insurance, you can maximize your savings with in-house comparison shopping, flexible deductibles, and additional discounts for things like:
- Participating in a rider’s association
- Completing an eligible motorcycle safety education course
- Being a mature rider
- Meeting low mileage standards
- Bundling motorcycle coverage with other types of insurance
- Remaining claims-free and accident-free
- And more