Although motorcycles can be thrilling, it’s important to understand that they are also dangerous, and accidents can occur no matter how safe a rider you may be. Unfortunately, there are many myths that can be dangerous if they are believed. For your protection in the Scranton, PA area, we at Bartal Insurance have debunked these common myths surrounding motorcycle insurance. This way, you can ensure that you have the proper coverage in case of any accidents or mishaps.

Motorcycle Coverage Myths

#1: “I Don’t Need Motorcycle Insurance Because I’m a Safe Rider”

The first myth we’ll address is, “I don’t need motorcycle insurance because I’m a safe rider.” Unfortunately, even the most cautious and experienced riders are at risk of being involved in accidents, and it’s critical to have proper insurance coverage. Motorcycle insurance can help you cover costs associated with injuries, medical bills, and potential lawsuits that may arise from accidents involving other vehicles or pedestrians. You may be surprised to learn that a large number of motorcycle accidents are caused by other drivers on the road, not the motorcyclist themselves.

#2: “My Homeowner’s Insurance Policy Covers My Motorcycle”

Another myth that needs to be debunked is the notion that your homeowner’s insurance policy covers your motorcycle. This is certainly not the case. Homeowner’s insurance policies primarily cover liabilities and damages to your home structure and personal possessions within it. They may offer limited coverage for specific risks, such as natural disasters, theft, or vandalism. However, your motorcycle is a valuable and distinct asset that requires its own insurance policy to cover potential damages, theft, or liability issues.

#3: “My Basic Motorcycle Insurance Policy Covers All Damages”

Finally, it’s a common assumption that a basic insurance policy covers all damages. This is not always true. Basic policies often provide coverage for only a few selected scenarios that leave you exposed to significant financial risks in the event of an accident. It’s thus advisable to purchase a comprehensive policy that covers damages and liabilities that a basic one may not cover.

Bartal Insurance Is Here To Help!

From Scranton, PA to Sacramento, CA, if you’re a motorcycle rider, don’t be misled by these common myths surrounding motorcycle insurance. Be sure to speak with an experienced insurance agent who can help you understand your coverage options and choose a plan that provides you with the best protection.

At Bartal Insurance, we make it our priority to provide you with in-depth knowledge about your insurance options so that you can ride with peace of mind. Contact us today to learn more about your policy options.