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Your motorcycle is your pride and joy; chances are good you’ve personalized it. Insurers recognize this fact and provide replacement coverage in case the extras get damaged. We at Collum Insurance Group LLC in Richardson, TX, want to ensure you enjoy the personal touches you put on your bike. Learn more about how insurance replaces your extras after an accident.
Understanding Basic Motorcycle Accessory Coverage
Most insurance companies include something that’s known as accessory coverage for motorcycles. This means that you can get replacement coverage for the additions you’ve put onto your bike. That includes saddlebags, handlebar grips, windshields, and even custom paint. The amount of coverage provided differs from insurer to insurer and may not be enough to pay for all of your additions.
Getting Extra Accessory Coverage
If you’ve spent a lot of time customizing your bike, such as installing new forks or a different exhaust, you’ll need more coverage than what’s already provided. You can increase the accessory coverage on your policy, but you’ll also want to ensure you keep the receipts for your purchases.
Keep Track of What’s Stock and What’s Custom
Creating an inventory of what came with your bike and what you added serves to help you with a claim for loss. This enables you to get fair replacement value for the accessories you lost.
Contact Collum Insurance Group LLC to Learn More About Accessory Coverage
When it comes to protecting your motorcycle and the work you’ve put into it, you need a policy that gives you sufficient coverage. Call us at our office in Richardson, TX, to find out how motorcycle accessory coverage works and get a policy that takes care of the additions to your bike after an accident.