If you own and ride a motorcycle in Bridgeport it is mandatory for you to purchase and maintain insurance on that motorcycle. Insurance for this type of vehicle is not expensive but it provides priceless peace of mind as well. If you are in an accident, damage occurs to the motorcycle or it is stolen, your insurance will help you cover the costs associates with these types of situations.
Full Coverage Insurance
Full coverage on insurance motorcycle in Bridgeport means that if you are in an accident it will help you cover the cost of not only damage to the other person’s assets but repair to your own motorcycle as well. It also will assist with any medical costs incurred by the other person(s) and yourself in the event of injury. Depending on the type of coverage you purchase it may also replace your motorcycle if it has been stolen or deemed to have been wrecked beyond repair.
Un-insured or Under-insured
This is typically an addition to full coverage insurance. In the event that you are in an accident and the other party is deemed the liable party but they do not have insurance, in most cases they will not be able to help you with any costs associated with the accident. Un-insured or under-insured coverage on your policy means that your insurance will assist with these costs even if the responsible party can’t.
If you are in an accident and are found to have caused the accident this makes you the liable party in the incident. In this case if you have liability insurance it will help cover any costs incurred by the other party or parties in the situation. It does not cover any repairs to your motorcycle or any medical bills if you are injured. While this is usually only the minimum coverage required by the state, it can be more costly in the long run, especially if you are not covered by medical insurance.
This type of insurance covers most other types of damages and repairs not associated with an accident. This can include but is not limited to fire, flood, vandalism and theft not part of a full coverage policy. If you are driving your motorcycle and you accidentally hit an animal which damages your vehicle it is normally covered under comprehensive insurance.
What if I Do Not Have Insurance?
If you do not have motorcycle insurance and you are pulled over by a police officer you will often get a ticket and be fined. In some cases the officer may even seize your motorcycle to be impounded until the case is resolved or you can provide proof of insurance. Insurance is not only mandatory, but can save you a lot of money and hassle in the event of an accident.
If you have been searching for affordable insurance for your motorcycle in Bridgeport, Auto-Cycle Insurance Inc. has rates starting as low as 126 dollars per year. To speak to one of their highly trained motorcycle insurance agents call their Bridgeport branch at 203-366-2000.