Motorcycle insurance coverage options in Virginia

Your motorcycle remains synonymous as far as adventure and freedom are concerned, irrespective of whether you prefer riding a custom chopper, street bike, cruiser, or a touring bike. The breathtaking experience on the open road is mainly every rider’s moment. 

However, with freedom and adventure comes uncertainties since you may never know what lies ahead around the next corner, but with the right insurance coverage, you can help keep yourself protected and your adventure ongoing. At Armor Insurance Group in Virginia Beach, VA, we help protect what matters to you most.  

Coverage Options for Motorcycle Insurance

Your basic motorcycle insurance policy covers the following:

  • Property damage liability protection: Covers the damages done by your motorcycle in case of an accident.
  • Bodily injury coverage: Pays for any injury made on another person.
  • Guest passenger liability: This particular protection covers the passenger riding with you. 

Premium or optional motorcycle coverages in Virginia include:

  • Roadside assistance: These are premium programs for towing the motorcycle to the nearest workshop.
  • Loss of use coverage: This policy helps replace a damaged motorcycle in case of a crash.
  • Collision: This premium service helps repair or replace your motorbike in case of a crash.
  • Underinsured/uninsured motorist coverage: Protects you from damages or injuries from underinsured/uninsured motorists who may be at fault.
  • Medical payment: compensates for medical expenses for you in case of an accident.
  • Comprehensive: Comprehensive insurance repays all the finances required to replace your motorcycle only when a collision has occurred
  • Personal belongings and carried contents: All the contents that you may be carrying while you ride your motorbike are protected under this insurance policy.

The roads are full of uncertainties and accidents have no warnings, protect yourself, your loved ones, and your iron horse by purchasing motorcycle insurance. For all your insurance needs, Armor Insurance Group in Virginia Beach, VA is here to assist and keep you safe.


Are Passengers Covered on Motorcycle Insurance?

Motorcycles are a great way to get around and a great way to have fun with the rider of your choice. There are some concerns however as to the safety of your passengers when riding. In most cases, your motorcycle policy covers a great deal more than you might imagine, and passengers are included. For those that are living in or around the El Centro, CA area, the agents with Armorcrest Insurance Services can help you find the policy that is best for you and your passengers.

Motorcycle insurance covers many things, including your passengers if you are involved in an accident. You passenger is covered on your liability only policy and you can add more coverage as needed. Your basic policy covers passengers up to a certain amount, often, up to $10,000 in medical bills. Any other bills can be obtained from the other driver’s insurance if the accident is not the fault of the motorcycle driver.

If you live in a no-fault state, you will need to contact your own insurance about getting compensation for medical bills so that you can get back to feeling great and living life. Most basic policies are going to cover passengers but you can always add more coverage over the state minimum requirement if you feel the need. For those drivers that always have a passenger, it may be beneficial to add more coverage to your policy for passengers. If you are almost always alone, you may not need to add more coverage.

For those that live in the El Centro, CA area, the agents with Armorcrest Insurance Services can help you find the policy that is going to work best for you and for your passengers to make sure that they are safe while riding.