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Motorcycles are fun and exhilarating to ride and own, and the experience is even better when you have insurance protection. At Top Grade Insurance, we aim to help you find suitable coverage for both short and long-term needs.
We offer various forms of protection from accidents, damage, or even theft. Whether you want coverage that insures just your bike or a more comprehensive policy, we are here to help.
Protect your bike
We will help you find the ideal coverage, regardless of your motorcycle model or driving experience.
Our Coverage Options
Most states, including Maryland, legally require motorcycle insurance. It is also a great way to mitigate the risks involved in riding and owning bikes. With a policy, your insurer compensates you if you have an accident.
This coverage typically protects your motorcycle from non-collision incidents like theft, fire, or vandalism.
This coverage protects you against injuries or damage caused by uninsured or underinsured drivers.
This coverage pays for medical expenses and property damage incurred by others involved in an accident you cause. This coverage applies when you are at fault for the accident.
This coverage pays for damages to your motorcycle if you are involved in a collision, regardless of fault.
At Top Grade Insurance, we provide free comparative quotes to help our clients choose the most fitting coverage. Additionally, our agents are ready to assist you through every step of your insurance journey.
Frequently Asked Questions
- What is a deductible for motorcycle insurance?
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A deductible is what you pay before insurance helps. For example, with a $500 deductible on $2,000 damage, you pay $500. Insurance covers the remaining $1,500. Higher deductibles lower premiums but increase claim costs. Lower deductibles mean less out-of-pocket but higher premiums.
- What is collision insurance
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Collision insurance for a motorcycle covers the cost of repairing or replacing your bike if it’s damaged in an accident, regardless of who is at fault. This coverage applies to incidents where your motorcycle collides with another vehicle or object, such as a car, tree, or fence. If your motorcycle is totaled, collision insurance will reimburse you for the bike’s current market value, minus your deductible. It’s important to note that collision insurance does not cover damage caused by theft, weather events, or vandalism—those would be covered under comprehensive insurance.
Having collision coverage is particularly important if your motorcycle is new or valuable, as it can help protect your financial investment in the event of an accident. - What do I do if I'm in a motorcycle accident?
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If you’re in a motorcycle accident, it's important to stay calm and follow these steps to protect yourself and others:
Check for Injuries: Assess yourself and others involved for injuries. If anyone is hurt, call 911 immediately for medical assistance. Even if injuries seem minor, it’s a good idea to get checked by a medical professional.
Move to Safety (if possible): If it’s safe to do so, move yourself and your motorcycle off the road to avoid further accidents. If you’re unable to move due to injury, wait for emergency responders.
Call the Police: Even for minor accidents, it’s important to file a police report. This documentation will be useful for insurance claims and any legal proceedings.
Exchange Information: Get the other driver’s name, contact details, insurance information, license plate number, and vehicle description. If there were witnesses, try to get their contact information as well.
Document the Scene: Take photos of the accident scene, any damage to your motorcycle, and the other vehicle. This evidence will be helpful when filing an insurance claim.
Notify Your Insurance Company: Report the accident to your insurance provider as soon as possible to start the claims process. Be honest and provide all the necessary details about the incident.
Seek Medical Attention (if needed): Even if you feel fine, some injuries may not be immediately noticeable. It’s important to get medical attention to rule out any internal injuries.
- What type of coverage do I need if I lease a motorcycle?
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When leasing a motorcycle, most leasing companies require you to have specific insurance coverage:
Comprehensive and Collision Coverage: These protect against damage to your motorcycle from accidents, theft, vandalism, and weather-related events. They cover repairs or replacement, regardless of fault.
Liability Insurance: This is typically required by law and covers costs if you cause injury or damage to others in an accident. Leasing companies often require higher liability limits than state minimums.
Gap Insurance: Since you're leasing, gap insurance is recommended or required. It covers the difference between the motorcycle’s actual cash value and what you owe on the lease if it’s totaled or stolen.
Check with your leasing company for specific coverage requirements to ensure you're adequately protected.
