Motorcycle insurance provides essential protection for you and your passengers. It’s exhilarating to head out on your bike and feel the fresh air on your face, but it’s also comforting to know that you are fully protected in the event of an accident. The expert team at North Coast Insurance Services, serving Lexington, MI, is here to help with the proper motorcycle coverage.

Personal Injury Protection (PIP)

Personal Injury Protection (PIP) is required for both auto insurance and motorcycles in Michigan, but there is an important detail to understand. Motorcycles are not automatically covered under PIP like cars. However, if you have an accident, your passengers might be able to claim PIP benefits through their auto insurance. PIP covers medical expenses, rehabilitation costs, and wage loss, regardless of who is at fault in the accident.

Bodily Injury Liability Coverage

If the accident is your fault, bodily injury coverage protects you, your passenger, or someone else who is injured. If your passenger is injured, your insurance will cover their medical expenses up to your policy limit. After the limit is reached, you are responsible.

Passenger Liability Coverage

Many insurance policies include guest passenger liability coverage, which covers your passenger’s injuries regardless of who is at fault.

Uninsured/Underinsured Motorist Coverage

If you are in an accident, it’s the other driver’s fault, and they don’t have any or enough insurance, uninsured and underinsured motorist coverage ensures you and your passenger are financially protected.

Protect Your Passengers With The Proper Coverage

You need to know your motorcycle insurance coverage. The professional team at North Coast Insurance Services, serving Lexington, MI, will ensure that you have the proper motorcycle insurance. Contact us today, and let’s work together to protect you and your passengers.

Supplementing your motorcycle with security devices remarkably reduces the theft risk, ultimately impacting your insurance coverage requirements. This article examines various anti-theft devices and how they influence your insurance policy.

The Power of GPS Systems

A Global Positioning System (GPS) significantly deters theft by offering real-time tracking of your motorcycle’s location. This handy device can be concealed under your motorcycle’s dashboard. Once installed, you can remotely monitor your bike, thereby improving its security.

Robust and Modern Locking Systems

In addition to GPS Systems, modern locking systems also impede potential thieves by disabling the bike from being moved from its current location. With many locking systems available on the market, finding one that provides adequate protection for your motorcycle becomes possible and straightforward.

If your motorcycle is frequently parked outdoors in an unsheltered area, enhancing it with a robust locking system drastically minimizes the likeliness of theft.

Policy Changes After Security Additions

Installing anti-theft devices often necessitates modification of your insurance policy. Your updated insurance coverage should specify the advanced systems installed. Post-installation, an assessment will be conducted to determine the resulting risk value. This assessment impacts the amount of coverage your policy requires.

If you acquire additional anti-theft systems, remember that your motorcycle insurance policy will again warrant tweaks.

How To Proceed

Regardless of your security and safety concerns, our North Coast Insurance Services representatives in Lexington, MI, are eager to advise you. Do not hesitate to contact us if you require information on motorcycle coverage or the variety of anti-theft devices compatible with your bike. Ensuring your peace of mind is our priority.

North Coast Insurance Services is here to serve the Lexington, MI community with all your insurance needs, including coverage for your motorcycle. As a motorcycle owner, it is important to carry motorcycle insurance to protect yourself and your precious vehicle. When it comes to insurance laws and requirements, every state is different. If you are riding in the state of Michigan, there are certain things you need to know and take into consideration.

What Should You Know About Motorcycle Insurance in Michigan?

• Motorcycle insurance is mandatory in Michigan. Liability insurance is a legal requirement for motorcycle riders in Michigan in order to safeguard them in the event that they are to blame for an accident that results in fatalities or severe injuries. First-party medical insurance is also required of motorcycle riders who do not wear helmets.  
• There are certain factors affecting the cost of motorcycle insurance. Age, driving history, the type of bike you ride, coverage limits, and other things are among these factors. To locate the best motorbike insurance plan for you, we shop around and evaluate various options. 
• The claim process is quite simple. Making a motorbike insurance claim in Michigan is not too complicated. The first step is to call your insurer and report the claim. Your insurance will then specify the next step, which may involve submitting a statement or filling out paperwork.

We Are Here To Help

If you are currently shopping for motorcycle insurance in Lexington, MI and you need help choosing a plan, North Coast Insurance Services is here to assist. We are experts in various types of insurance, including motorcycle insurance as well. If you have any questions, feel free to reach out to us. 

Riding a motorcycle in the Lexington, MI area is an exhilarating experience that has kept many people on the open road for years. However, it also carries a certain amount of risk and danger if you are not careful. To help ensure a safe ride for all motorcyclists, here are some tips from us at North Coast Insurance Services to consider. 

Safe riding tips for motorcyclists

1. Wear protective gear

Wearing the right protective clothing is essential when riding a motorcycle. This includes a full-face helmet, jacket, and pants made of abrasion-resistant material, gloves, and over-the-ankle boots.

2. Improve visibility

Make sure your bike stands out by using reflective tape or paint on your helmet and other equipment so that other drivers can see you from far away. Also, make sure that your headlight is functioning properly at night or in poor visibility conditions. 

3. Stay alert

Be aware of what’s going on around you as you ride and pay attention to traffic signals and signs along the way. Keep your speed reasonable and be prepared to react quickly if needed. 

4. Check your brakes

Before each ride, take the time to check that your brakes are functioning correctly and do regular maintenance checks throughout the year such as checking brake pads, brake fluid levels, and tire pressure. 

5. Avoid distractions

Distracted driving is dangerous no matter what type of vehicle you’re in, but it’s especially risky when driving a motorcycle due to its size and weight compared to other vehicles on the road. Minimize distractions like loud music or conversations with passengers while riding and focus on the task at hand – getting safely from point A to point B! 

Give Us A Call

For more tips on how to stay safe while on your motorcycle, call us at  North Coast Insurance Services today. We proudly serve the Lexington, MI area. 

When it comes to motorcycle insurance, there’s no one-size-fits-all solution. The type of coverage you need will depend on various factors, including the type of bike you ride, your riding habits, and where you live. With so many options to choose from, it can be difficult to know where to start. North Coast Insurance Services in Lexington, MI provides this guide on getting the best motorcycle insurance for your needs.

5 Tips for Getting the Best Motorcycle Insurance for Your Needs

1. Know Your Coverage Needs

Before you start shopping for motorcycle insurance, you must know what type of coverage you need. There are four basic types of motorcycle insurance: liability, collision, comprehensive, and uninsured/underinsured motorist.

2. Compare Different Policies

Once you know what coverage you need, it’s time to start comparing different policies. When you’re comparing policies, be sure to look at the coverages and limits that are offered. You should also consider the deductibles, premium costs, and any discounts that may be available.

3. Do Not Go for the Cheapest Policy

The cheapest motorcycle insurance policy is not always the best. In fact, it’s often the worst. Cheap policies usually have low limits and few coverages, so you’ll end up paying more out of pocket if you have an accident. Again, while most states have minimum insurance requirements, these are often too low to protect you financially if you’re in an accident.

4. Read the Policy Carefully

Once you’ve found an insurance company and policy you’re happy with; it’s important to read it carefully. Make sure you understand what is and is not covered. If there’s anything you’re unsure about, ask your insurance agent for clarification.

5. Review Your Coverage Regularly

Your needs will change over time, so it’s important to regularly review your motorcycle insurance policy. As your bike ages, you may want to drop some coverage, such as collision or comprehensive. If you move to a new city or state, your coverage needs may also change.

Contact Us Today

There’s a lot to consider when shopping for motorcycle insurance, but following these tips will help you get the best coverage for your needs. If you’re looking for motorcycle insurance in the greater Lexington, MI area, North Coast Insurance Services can help. We offer a variety of motorcycle insurance policies to meet your needs and budget. Contact us today for a free quote.

If you value your motorcycle in Lexington, MI, you can’t afford to ride without motorcycle insurance from North Coast insurance Services. Motorcycle insurance prevents you from incurring expensive bills from your pocket when accidents and other perils strike. If you are contemplating purchasing motorcycle insurance, you are on the right track. Below are the benefits you will enjoy.

Compliance with the law

Under Michigan law, motorcyclists are required to have minimum liability coverage in their motorcycle insurance. This coverage provides bodily injury and property damage coverages for accidents you are deemed liable for. Without the state-required motorcycle insurance, the bike owner is automatically disqualified from enjoying the no-fault insurance benefits. 

Protection of the asset

Whether you use your bike to run errands, commute, or have fun, it must have cost you several thousands of dollars. If you are uninsured and a disaster occurs, you will have to finance repairs and replacement of your bike from your pocket. Thankfully, if you have comprehensive and collision coverages, your insurer covers damages to your bike up to your coverage limit.

Medical expenses coverage

Motorcycle accidents can be catastrophic. Without health insurance, you are faced with expensive medical bills that can ruin your finances. Thankfully, if you have PIP or medical payments coverage, medical expenses for you and your passengers are well-taken of despite who was at fault for the accident.  

Roadside assistance coverage

Sometimes, your beloved machine can let you down. It can break down unexpectedly when away from home. However, when you have the roadside assistance add-on, you access services like towing, gas delivery, puncture repair, and other roadside repairs to get you back on the road ASAP.

Buy motorcycle insurance today!

Having seen the benefits of motorcycle insurance, the next step is to purchase coverage from North Coast insurance Services. Contact us today, and we will help you protect your asset.