At Carrigan Insurance, we want you to stay out on the open road. Whether you are into bikes, trikes or money-saving mopeds, responsible riding means always wearing a helmet, driving defensively, and investing in motorcycle insurance that protects you against the what-ifs in life.
No one wants to think about being involved in an accident. The facts are, however, that 88,000 people were injured in motorcycle wrecks in 2013 alone. That is approximately one injury for every 100 motorcycles registered in the U.S. that year. Based on the fact that motorcycle riders are more likely to be injured in a collision than other motorists, motorcycle insurance is not just a legal requirement – it’s indispensable.
Your motorcycle insurance could save you thousands of dollars if:
- You are in an accident on an out-of-state road trip, leaving you with no transportation or lodging.
- You are the victim of a hit-and-run accident and are unable to file a claim against the perpetrator’s insurance policy.
- You are sued for injury and damages you cause to another driver and their vehicle in a collision.
Types of Motorcycle Insurance
Motorcycle insurance comes in three standard coverage types – liability, collision and comprehensive coverage.
Liability Insurance
Liability insurance is the coverage you need to pay for any property damages or injuries you cause to another person while operating your bike or trike. Whether you mow down someone’s fence or t-bone a vehicle, liability kicks in to foot the bill. This type of coverage may be useful for paying for the repairs or replacement of damaged property, as well as the medical bills and lost wages of a victim. It can also help cover your legal defense fees if you are sued.
Collision Insurance
Adding collision to your policy means that your own motorcycle is covered if you are involved in an accident. From scrapes and dings to total replacement, collision can pay for the complete repair or replacement of your bike after an accident.
Comprehensive Insurance
Your motorcycle is always at risk – even when it is not on the road. Comprehensive insurance helps cover your bike against non-accident related damages, such as theft or weather-related events.
In addition to the three basic types of motorcycle coverage, additional insurance protection is available, too. We can help you find a policy that pays for roadside assistance when you need to have your bike towed. It can also provide reimbursement for food and lodging if you are stranded far from home. Adding underinsured motorist protection to your policy can help pay for your bike repairs and medical bills if you are hit by an uninsured driver.
Whether you bought your ride new off the showroom floor, purchased it used, or had it custom-built, chances are there are some upgrades and modifications you have added to make it uniquely yours. We can help you find coverage for your custom paint job, after-market parts, and special accessories. Whether it is an expensive saddlebag or your shiny chrome wheels, special coverage can be added to your policy to insure your investment.
Shop and Compare Motorcycle Insurance in Wisconsin
If you live in Waukesha or the greater Milwaukee area, look to Carrigan Insurance for your motorcycle insurance needs. As an independent agency, we can provide you with quotes from multiple leading Wisconsin insurers. We can also help you find discounts on coverage, including:
- Safe riding discounts
- Claims-free discounts
- Motorcycle education course discounts
- Multi-line coverage discounts
- And more
For more information about Wisconsin motorcycle insurance or to request your free quotes, contact our office today. We look forward to serving you soon.
