When it comes to motorcycles, every day is a ride-with-the-top-down kind of day. Whether you ride for adventure or use your bike for your everyday commute, you already know that motorcycles carry a certain amount of risk. Make sure you are covered against the unexpected with a policy from Billy Brown Insurance. From cruisers and sport bikes to customs and trikes – we can help you find motorcycle insurance personalized to fit your needs.
Types of Motorcycle Coverage
There are several types of motorcycle insurance coverage available to riders in Delafield and the greater Waukesha area. Examples include coverage that protects:
You
The most important thing to protect is you and the people you ride with. Uninsured and underinsured motorist protection helps pay for your medical expenses and lost wages if you are injured in a motorcycle accident by someone who has no liability insurance or otherwise has too little coverage to meet your needs. Likewise, medical payments coverage can help pay for injuries to you and your passengers – even if you are the driver at fault.
Your Bike
Motorcycles come with many different price tags – and most of them are not cheap. Having the right motorcycle insurance is imperative to protect your investment against the vulnerabilities you face both on the road and off. We offer policies that include both collision and comprehensive coverage, both of which can pay to repair or help replace your bike after an accident or other loss.
Generally, collision covers damages caused by collisions, whether you hit another vehicle or lose control and roll your bike. Comprehensive, on the other hand, typically covers non-collision losses and damages, such as those stemming from theft, vandalism, fire, fallen trees, wildlife, and more. If you prefer, you may also be able to upgrade your policy with OEM protection, which ensures your bike will only be repaired using the original equipment manufacturer parts whenever available.
Your Gear and Custom Parts
You spent a long time personalizing your bike and making it your own. If it is damaged, the gear and custom parts coverage on your policy can help you restore it to the way you had it. We can also help you cover your helmets, leathers, gloves, and more.
Your Income and Assets
Your investment accounts might be the last thing on your mind when you are riding, but they could be at risk if you aren’t carrying adequate liability protection. If you cause an accident while riding your motorcycle, you could be sued for the property damages and injuries you cause. All Wisconsin riders are required to carry a certain amount of bodily injury and property damage liability insurance, but the minimum coverage limits may not be enough to shield you against the financial fallout of a lawsuit.
Here at Billy Brown Insurance, we know how to quickly assess your individual risk vulnerabilities and help you determine how much you could lose after an at-fault accident. Our job is to help you build a policy with enough coverage to protect your savings accounts, investments, physical assets, and future income against the devastating effects of litigation.
Wisconsin Motorcycle Insurance Discounts
We believe motorcycle insurance should be affordable without sacrificing the quality of your coverage. As an independent insurance agency, we can shop and compare rates from multiple insurers and then apply eligible discounts to help reduce to price you pay for coverage. Examples include discounts for:
- Safe driving
- Taking a rider safety course
- Insuring multiple vehicles
- Combining motorcycle and home insurance with the same carrier
- And more
For more information or to request your free motorcycle insurance quotes, contact Billy Brown Insurance today.
