Motorcycle accessories are those components that are added onto the bike after the vehicle has left the factory floor, any motorcyclist who has installed custom parts on his motorcycle should consider purchasing accessories insurance that can help cover the costs of repairing these parts when they get damaged or replace them if necessary.
Many motorcyclists get customized parts or components installed on their bicycles, not just for safety, but also to showcase their individuality. Some insurance companies refer to accessories coverage as Custom Parts and Equipment coverage.
What kinds of accessories are covered by these policies?
Motorcycle insurance accessories such as the list below could be included in your accessory coverage for motorcycles.
• Electronic equipment
• Custom painting
• Exhaust systems
• Trike conversion kits
• Leather gear
• Plow and mower blades
If you have installed custom parts apart from these on your motorcycle, speak to your insurer about whether these elements are included in your coverage. Not all motorcycle insurance companies will cover the same types of accessories. Whether or not your policy covers helmets, these motorcycle helmet accident statistics will convince you to wear one.
Is it necessary to purchase accessories coverage?
Most motorcycle insurers in Warminster will offer you a certain amount of coverage for your accessories and custom parts, through their existing collision coverage or comprehensive coverage policies. However, if you have only insured your custom parts on comprehensive and collision coverage policies, you may find that the coverage is limited. If you purchase custom parts coverage in the form of accessory coverage on an additional Custom Parts and Equipment policy, you may find that your accessories coverage is much higher and more beneficial to you.
Purchasing motorcycle accident insurance is key for any motorcyclist. In fact, if you’re a motorcyclist in Warminster, according to Pennsylvania law you are expected to purchase minimum mandated motorcycle insurance just like the owner of a car. In the event of an accident, you can file a claim with your insurer to recover damages.
If you have suffered injuries in a motorcycle accident, you can file a claim with your insurer. If you are having trouble recovering significant compensation from your insurer, talk to Warminster motorcycle accident attorney Michael Saile. You could recover compensation through a claim against the other party too. Call 215 -717-8471 to speak with attorney Saile or schedule a consultation by filling out the online contact form.