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Phoenix, AZ 85033

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4 Reasons You Motorcycle Insurance in Arizona

Bikers will tell you that it’s 99 percent more fun to ride a bike than drive a car. Not convinced? That’s a story for another day. Today, let’s talk about motorcycle insurance. While there is no doubt bikes are fun, the danger is never far. A simple wrong move and your ride can quickly turn into a nightmare. 

The good thing is that with motorcycle insurance from Insurancewide Company LLC of Phoenix, AZ, you can have peace of mind while on the road. Here are some reasons you should buy motorcycle insurance.

Liability protection

No matter how careful you are on the road, accidents are bound to happen. You could cause an accident causing bodily injury to other road users, or you could cause property damage to third parties. Without motorcycle insurance, you could be faced with financial liabilities that could drain your pockets. 

Asset protection

When you need to play, you have to pay. This adage aptly fits the bike world. Bikes are fun, but you have to pay top dollar to jump on the bandwagon. To this end, you need to purchase proper motorcycle insurance to protect your valuable investment from perils like accidents, fire, theft, vandalism, hurricanes, and much more. 

Medical payments coverage

Unlike a vehicle, bikes don’t give riders adequate protection in case of an accident. Bike accidents, even though minor, can result in significant injuries that are costly to treat. Without health insurance, you could be staring at massive medical costs, denting your pocket. However, if you include medical payment coverage on your motorcycle insurance, you and your passengers’ medical expenses and funeral expenses are well-covered.

Compliance with the law

Just like auto insurance, motorcycle insurance is mandatory in California. Failure to carry motorcycle insurance could result in fines and penalties that include license suspension. 

Do you need motorcycle insurance in Phoenix, AZ? Trust Insurancewide Company LLC for affordable and customizable motorcycle insurance.

Is Umbrella Insurance for Everyone?

Why get extra insurance when you already have your assets protected? This is a question numerous Phoenix, AZ residents struggle with, along with the dilemma of what umbrella insurance covers. Insurancewide Company LLC puts into perspective what this policy is all about and whether you need it.

Defining Umbrella Insurance

Umbrella insurance is a policy that acts as a secondary layer of protection once the liability limit on underlying insurances, such as auto and home insurance, is exhausted. This means that extra expenses related to another person’s injuries, lawsuit claims, and property damage are taken care of under umbrella insurance.

Along with this, an umbrella policy also provides coverage to any family members included in your insurance. If, for instance, your children or spouse cause damage to multiple properties while driving, umbrella insurance covers costs exceeding your auto insurance limit.

Situations Requiring Umbrella Insurance

Typically, some lifestyle factors tend to increase your likelihood of needing umbrella insurance more than other everyday activities. These include:
•    Ownership of pets
•    If you own or rent out a property
•    If you have a vehicle or watercraft, both owned and rented
•    Host family and friends to your premises occasionally
•    If you are a business owner and employ staff

If you check any of the above boxes, then you need an umbrella insurance policy. The above factors are gateways into dog bite lawsuits, wrongful eviction and entry claims, bodily injury claims, and defamation of character trials.

When Does Umbrella Insurance Come In

The first instance where umbrella insurance comes in handy in Phoenix, AZ is when your underlying coverage limits can no longer cover expenses related to damage or liability claims. Rather than let your assets or income pay for the damages in question, umbrella insurance caters to the costs of compensation. If, however, you win your case, your lawyer’s fees are covered by umbrella insurance.

The second instance where umbrella insurance provides relief is when you suffer lawsuit claims not covered in your policy. These include claims related to libel, slander, and false arrest. Additionally, property not insured, such as rental units or boats, will also fall in this category.

While umbrella insurance may seem like an afterthought, it is the secret to keeping your assets secure in unexpected emergencies. Talk to Insurancewide Company LLC to get started on your umbrella insurance journey.

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