Motorcycle Insurance for New Riders

Riding a motorcycle can come with more risks than driving a car. Without the added features of larger vehicles, riders may be more exposed to injury and damage if an accident happens. Motorcycle insurance can help cover expenses related to these events. This coverage is especially important for new riders, who may be less experienced on the road.

Key Coverages to Consider

The following are some of the coverages included in standard motorcycle insurance policies:

• Liability coverage is required by Delaware law and may pay for injuries or property damage you may cause to others in an accident.
• Collision coverage may cover damage to your motorcycle if you’re involved in a wreck, regardless of who is at fault.
• Comprehensive coverage may apply to noncollision events, including theft, vandalism or weather-related damage.
• Uninsured/underinsured motorist coverage may help if you’re involved in an accident caused by someone who doesn’t have enough insurance.

Tips for First-Time Motorcycle Owners

Understanding the basics can improve your riding experience. Here are a few things to keep in mind as you get started:

• Review the state’s insurance requirements.
• Consider your riding habits and the value of your motorcycle when selecting coverage.
• Ask about discounts for completing motorcycle safety courses or bundling policies.
• Keep safety gear and maintenance a priority to reduce risks.

What to Expect When Filing a Claim

Here’s what the process can look like if you need to file a claim:

• Report the incident: Contact your insurance provider as soon as possible to start your claim.
• Share details: You may need to provide information about the accident, including photos and any relevant documents.
• Assessment: Your insurer can review the details and may arrange for an inspection of your motorcycle.
• Resolution: Depending on your coverage, your claim may help with repairs, medical expenses or liability issues.

Keeping records of your motorcycle, including upgrades and maintenance, can make the process more efficient. If you have questions, your insurance agent can guide you through each step and help you understand what to expect.

How We Help New Riders in Delaware

Our team at Leaders Insurance Group helps new motorcycle owners find the right coverage for their needs and budget. Contact us today to discover the available options near you.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.