MCSPLST = MOTORCYCLE INSURANCE SPECIALIST

Want to insure your pride and joy correctly but don’t know what questions to ask? Here’s some of what you should know.

All bikes licensed must have Liability Insurance in order to maintain a license. That means a plate and a Drivers permit. Most states do not require uninsured but if you don’t have it your making a big mistake. The difference between Medical insure and Uninsured is medical will pay for almost any type of injury where uninsured only pays when the other person is at fault and does not have liability, in some states like Nevada when they don’t have enought to cover your injuries your uninsured will kick in secondary. Collision only pays in an accident not when your bike falls over because of wind etc. that’s comprehensive. With high cost bikes like Harley’s BMW etc you might want a special rider especially if you have some addional chrome or paintalso if it was not part of the stack bike if you don’t have it listed it’s not covered; like saddle bags that you added after you brought your bike. When you park your bike locking the forks slows down most thiefs but doesn’t stop them entirely. If you can’t gargage your bike alarm it and chain it to something that is solid. Yes they can cut the chain but if you chain it or cable it properly they won’t spend much time trying to take it because they can’t afford to be seen or heard. If you’re sure something is covered or not look at your declaration page if there’s no mention of it look at losses we don’t cover usually around page 13. If you’re still not sure call your agent or customer service representative. Don’t feel like you’re asking stupid questions what’s stupid is not asking questions that you’re not sure of and then finding out how stupid you were for not asking them.

Check out my other Insurance advise columns:

http://mcsplst.wordpress.com/2009/02/28/atv-adviser/

http://mcsplst.wordpress.com/2009/02/28/medical-plan-specialist/

http://mcsplst.wordpress.com/2009/03/02/insurance-solutions/

Comments or questions: mcsplst@live.com

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