For most people, two-wheelers are a relatively common method for commuting and running errands. For other people, bikes are a source of fun. In whatever way you use your motorcycle, don’t forget about motorcycle insurance. Bike insurance covers you and your assets when accidents happen.
While motorcycle insurance is a great investment, it’s worth noting that it has exclusions, like most insurance policies. Your standard motorcycle insurance from Dalessandro Agency Inc. in Grand Rapids, MI won’t cover the areas below.
Common Motorcycle Insurance Exclusions
Mechanical or electrical failures
If your two-wheeler breaks down because of a mechanical or electrical failure, your insurance won’t help. In such cases, you will have to finance the repairs from your pocket. Motorcycle insurance covers your bike when damaged by a peril included in your policy. However, it won’t cover anything maintenance-related.
Stunt or racing events
If you are an adrenaline junkie, you may be tempted to participate in racing or stunt events. Unfortunately, your standard motorcycle insurance doesn’t cover damage or injuries from such events. However, you can purchase special coverage to cover mishaps that occur in racing and stunt events.
When purchasing your motorcycle insurance, you may indicate the possible riders that might use your bike. Any damage or injury arising from an unauthorized rider will likely be ignored by your insurer.
Criminal or intentional acts
Your insurer is likely to void claims arising from damage or injuries sustained when involved in criminal or intentional acts. For instance, if you intentionally crash your two-wheeler because it has had numerous mechanical failures recently, it may result in insurance fraud. You will not only miss out on compensation but you can be charged for fraud.
Get The Right Coverage Today
Need to learn more about motorcycle insurance in Grand Rapids, MI? Please get in touch with Dalessandro Agency Inc. We will answer all your queries about motorcycle insurance as well as recommend coverage that suits your needs.