{"id":189,"date":"2021-07-05T11:04:11","date_gmt":"2021-07-05T18:04:11","guid":{"rendered":"https:\/\/pinecrestinsurance.com\/?page_id=189"},"modified":"2021-07-21T13:09:24","modified_gmt":"2021-07-21T20:09:24","slug":"motorcycles-atvs","status":"publish","type":"page","link":"https:\/\/pinecrestinsurance.com\/products\/motorcycles-atvs\/","title":{"rendered":"Motorcycles &#038; ATVs"},"content":{"rendered":"\n\n\t\t<h2>\n\t\t\tMotorcycle\/ATV Insurance\n\t\t<\/h2>\n\t\t\t<p>Motorcycle\u00a0insurance\u00a0covers many types of bikes. If you are looking for a specific coverage like ATV, dirt bike, scooter, moped, or trike insurance,\u00a0 a motorcycle\u00a0insurance\u00a0policy\u00a0is what you will need.You are exposed to more risks when driving a motorcycle than driving a closed vehicle such as a car or van. You are likely to suffer from more injuries in the\u00a0event of an accident because there isn&#8217;t much to protect you except perhaps your safety helmet and some pads. The importance of motorcycle\u00a0insurance cannot be\u00a0disputed and that is why it makes sense to work with an experienced agent that understands the critical need of protecting you and your assets with affordable rates.<\/p>\t\t\n\t\t\t<a href=\"https:\/\/pinecrestinsurance.com\/products\/auto\/\" target=\"_self\" rel=\"noopener\">\n\t\t\t\t<img decoding=\"async\" src=\"https:\/\/pinecrestinsurance.com\/wp-content\/uploads\/2021\/07\/road-square-150x150.jpg\" alt=\"road-square\" \/>\n\t\t\tRelated Product\n\t\t\t\t\t<h4>Auto Insurance<\/h4>\n\t\t\t\t\t<p>Learn More<\/p>\t\t\t\t\n\t\t<\/a>\n\t\t\t<a href=\"https:\/\/pinecrestinsurance.com\/products\/boats-personal-watercraft\/\" target=\"_self\" rel=\"noopener\">\n\t\t\t\t<img decoding=\"async\" src=\"https:\/\/pinecrestinsurance.com\/wp-content\/uploads\/2021\/07\/marina-square-150x150.jpg\" alt=\"marina-square\" \/>\n\t\t\tRelated Product\n\t\t\t\t\t<h4>Boat &#038; Personal Watercraft Insurance<\/h4>\n\t\t\t\t\t<p>Learn More<\/p>\t\t\t\t\n\t\t<\/a>\n\t\t\t<a href=\"https:\/\/pinecrestinsurance.com\/products\/rv-motor-home-travel-trailers-campers\/\" target=\"_self\" rel=\"noopener\">\n\t\t\t\t<img decoding=\"async\" src=\"https:\/\/pinecrestinsurance.com\/wp-content\/uploads\/2021\/07\/motorhome-square.jpg\" alt=\"motorhome-square\" \/>\n\t\t\tRelated Product\n\t\t\t\t\t<h4>RV, Motor Home &#038; Travel Trailer Insurance<\/h4>\n\t\t\t\t\t<p>Learn More<\/p>\t\t\t\t\n\t\t<\/a>\n\t\t\tWhat is Covered\n\t<ul>\n\t\t\t<li>\n\t\t\t\tMotorcycles\n\t\t\t<\/li>\n\t\t<\/ul>\n\t<ul>\n\t\t\t<li>\n\t\t\t\tStreet Bikes (including trikes)\n\t\t\t<\/li>\n\t\t\t<li>\n\t\t\t\tCustom Bikes\n\t\t\t<\/li>\n\t\t\t<li>\n\t\t\t\tClassic Bikes\n\t\t\t<\/li>\n\t\t\t<li>\n\t\t\t\tScooters\n\t\t\t<\/li>\n\t\t\t<li>\n\t\t\t\tLiability Only\n\t\t\t<\/li>\n\t\t\t<li>\n\t\t\t\tNon-Standard\n\t\t\t<\/li>\n\t\t\t<li>\n\t\t\t\tLicensed Low Speed Vehicles\n\t\t\t<\/li>\n\t\t<\/ul>\n\t<ul>\n\t\t\t<li>\n\t\t\t\tOff-Road Vehicles\n\t\t\t<\/li>\n\t\t<\/ul>\n\t<ul>\n\t\t\t<li>\n\t\t\t\tATVs\n\t\t\t<\/li>\n\t\t\t<li>\n\t\t\t\tGolf Carts\n\t\t\t<\/li>\n\t\t\t<li>\n\t\t\t\tSnowmobiles\n\t\t\t<\/li>\n\t\t\t<li>\n\t\t\t\tDirt Bikes\n\t\t\t<\/li>\n\t\t\t<li>\n\t\t\t\tDune Buggies\n\t\t\t<\/li>\n\t\t\t<li>\n\t\t\t\tNeighborhood Electric Vehicles\n\t\t\t<\/li>\n\t\t<\/ul>\n\t\t\tOptional Coverages\n\t<ul>\n\t\t\t<li>\n\t\t\t\tOptional Bodily Injury to Others\n\t\t\t<\/li>\n\t\t\t<li>\n\t\t\t\tBodily injury Caused by an Underinsured Auto\n\t\t\t<\/li>\n\t\t\t<li>\n\t\t\t\tProperty Damage Liability\n\t\t\t<\/li>\n\t\t\t<li>\n\t\t\t\tComprehensive\n\t\t\t<\/li>\n\t\t\t<li>\n\t\t\t\tCollision\n\t\t\t<\/li>\n\t\t\t<li>\n\t\t\t\tMedical Payments\n\t\t\t<\/li>\n\t\t\t<li>\n\t\t\t\tRoadside Assistance\n\t\t\t<\/li>\n\t\t\t<li>\n\t\t\t\tUninsured or Underinsured Motorist\n\t\t\t<\/li>\n\t\t\t<li>\n\t\t\t\tSpecialty Coverages\n\t\t\t<\/li>\n\t\t<\/ul>\n\t\t\tMotorcycle Insurance Discounts\n\t<ul>\n\t\t\t<li>\n\t\t\t\tSafety Course Completion\n\t\t\t<\/li>\n\t\t\t<li>\n\t\t\t\tMature Drivers\n\t\t\t<\/li>\n\t\t\t<li>\n\t\t\t\tRider Association Membership\n\t\t\t<\/li>\n\t\t\t<li>\n\t\t\t\tMulti-Policies with the same Carrier\n\t\t\t<\/li>\n\t\t\t<li>\n\t\t\t\tHome Ownership\n\t\t\t<\/li>\n\t\t\t<li>\n\t\t\t\tAnti-Theft Devices\n\t\t\t<\/li>\n\t\t\t<li>\n\t\t\t\tMarital Status\n\t\t\t<\/li>\n\t\t\t<li>\n\t\t\t\tRiding Experience\n\t\t\t<\/li>\n\t\t<\/ul>\n\t\t\tFrequently Asked Questions\n\t\t\t\t\tWhat makes insuring my motorcycle different from insuring my car?\t\t\t\t\n\t\t\t\t\t<ul>\n<li aria-level=\"1\">Risk &#8211; We all know that riding a motorcycle carries different risks than driving a car. That means special coverage protections that reflect that risk &#8211; and rewards, in terms of discounts, for safety features and safe riding.<\/li>\n<li aria-level=\"1\">Type of Vehicle &#8211; Riding a Harley isn&#8217;t the same as riding a sportbike or ATV. Your insurance coverages reflect the safety features of your bike, its potential costs of repair in case of an accident or covered loss, and of course, the value of your investment &#8211; including what may be required by your bank or financing company.<\/li>\n<li aria-level=\"1\">Leased or Financed Vehicles &#8211; If you&#8217;re looking to insure a leased or financed motorcycle, you may be required to carry collision or comprehensive coverage. When you&#8217;ve paid off your bike, you can lower your motorcycle insurance premiums if you drop or reduce collision or comprehensive.<\/li>\n<\/ul>\n\t\t\t\t\tWhat is the law in the US regarding motorcycle insurance?\t\t\t\t\n\t\t\t\t\t<p>Each state requires minimum bodily injury and property damage liability limits to be purchased for motorcycles.<\/p>\n\t\t\t\t\tWhat are surcharges?\t\t\t\t\n\t\t\t\t\t<p>Surcharges can be assessed by carriers for many situations. These include young riders, riders with little experience, credit-challenged riders, riders with tickets or accidents, or riders who have to purchase custom insurance.<\/p>\n\t\t\t\t\tWhat exactly is liability insurance?\t\t\t\t\n\t\t\t\t\t<p>There are two types of liability insurance for motorcycles &#8211; bodily injury and property damage.<\/p>\n\t\t\t\t\tWhat is bodily injury liability?\t\t\t\t\n\t\t\t\t\t<p>Bodily Injury Liability insurance covers you in case you injure or cause the death of another person.<\/p>\n\t\t\t\t\tWhat is property damage liability?\t\t\t\t\n\t\t\t\t\t<p>Property Damage Liability covers you in case you cause damage to, or destroy another&#8217;s property.<\/p>\n\t\t\t\t\tWhat is collision coverage?\t\t\t\t\n\t\t\t\t\t<p>Collision coverage kicks in when your bike is damaged or destroyed by hitting another vehicle. It will also pay for damage to your motorcycle if you hit an object like a building or a tree.<\/p>\n\t\t\t\t\tWhat is medical payment coverage and how is that different from bodily injury coverage?\t\t\t\t\n\t\t\t\t\t<p>The medical expenses of you or any injured passenger will be paid up to the policy limit if you select this coverage. It is different than liability because it is not paid out on the other injured parties. It is paid out to you.<\/p>\n\t\t\t\t\tWhat is roadside assistance coverage?\t\t\t\t\n\t\t\t\t\t<p>Roadside assistance covers you if your motorcycle breaks down. The coverage pays for towing to the closest repair facility. It will also pay for any necessary repairs that need to be made on the scene.<\/p>\n\t\t\t\t\tWhat is coverage for uninsured or underinsured motorists bodily injury?\t\t\t\t\n\t\t\t\t\t<p>Covers you, the insured members of your household and your passengers for bodily\/personal injuries, damages, or death caused by an at-fault uninsured or hit-and-run driver. If you are involved in an accident where the other driver is at fault but has no insurance, your policy will cover your medical expenses, up to the limit on your policy.<\/p>\n\t\t\t\t\tWhat is accessory or custom parts coverage?\t\t\t\t\n\t\t\t\t\t<p>This coverage takes care of the items not included as standard by the motorcycle manufacturer. This can include but not be limited to the following:<\/p>\n<ul>\n<li aria-level=\"1\">Fairings<\/li>\n<li aria-level=\"1\">Sissy bar<\/li>\n<li aria-level=\"1\">Safety guards<\/li>\n<li aria-level=\"1\">Highway pegs<\/li>\n<li aria-level=\"1\">Crash\/Roll bars<\/li>\n<li aria-level=\"1\">Radios<\/li>\n<li aria-level=\"1\">CB&#8217;s<\/li>\n<li aria-level=\"1\">Custom seats<\/li>\n<li aria-level=\"1\">Luggage racks<\/li>\n<li aria-level=\"1\">And more&#8230;<\/li>\n<\/ul>\n\t\t\t\t\tWhat if I have a collector&#8217;s bike?\t\t\t\t\n\t\t\t\t\t<p>You may want to consider agreed value coverage. This means that your insurance will pay out up to the value placed on the motorcycle when you bought the policy instead of cash value for the bike.<\/p>\n\t\t\t<a href=\"tel:+18004006886\" role=\"button\" target=\"_self\" title=\"Call for Quote\" alt=\"Call for Quote\" onclick=\"\" rel=\"noopener\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tCall 1-800-400-6886\n\t\t\t\t\t\t\t<\/a>\n\t\t\t<a href=\"https:\/\/pinecrestinsurance.com\/contact\/\" role=\"button\" target=\"_self\" title=\"Call for Quote\" alt=\"Call for Quote\" onclick=\"\" rel=\"noopener\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tGet Quote\n\t\t\t\t\t\t\t<\/a>\n\n","protected":false},"excerpt":{"rendered":"<p>Motorcycle\/ATV Insurance Motorcycle\u00a0insurance\u00a0covers many types of bikes. If you are looking for a specific coverage like ATV, dirt bike, scooter, moped, or trike insurance,\u00a0 a motorcycle\u00a0insurance\u00a0policy\u00a0is what you will need.You are exposed to more risks when driving a motorcycle than driving a closed vehicle such as a car or van. You are likely to suffer &#8230; <a title=\"Motorcycles &#038; ATVs\" class=\"read-more\" href=\"https:\/\/pinecrestinsurance.com\/products\/motorcycles-atvs\/\" aria-label=\"Read more about Motorcycles &#038; ATVs\">Read more<\/a><\/p>\n","protected":false},"author":2,"featured_media":0,"parent":36,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"_links":{"self":[{"href":"https:\/\/pinecrestinsurance.com\/wp-json\/wp\/v2\/pages\/189"}],"collection":[{"href":"https:\/\/pinecrestinsurance.com\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/pinecrestinsurance.com\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/pinecrestinsurance.com\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/pinecrestinsurance.com\/wp-json\/wp\/v2\/comments?post=189"}],"version-history":[{"count":0,"href":"https:\/\/pinecrestinsurance.com\/wp-json\/wp\/v2\/pages\/189\/revisions"}],"up":[{"embeddable":true,"href":"https:\/\/pinecrestinsurance.com\/wp-json\/wp\/v2\/pages\/36"}],"wp:attachment":[{"href":"https:\/\/pinecrestinsurance.com\/wp-json\/wp\/v2\/media?parent=189"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}