Minnesota may be known for its cold climate, but that does not stop many people from enjoying the North Star State from the back of a motorcycle. As soon as the ice begins to thaw, many riders pull their bikes out of storage and hit the road. Whether cruising through the city on a chopper or zipping down the back roads on a sport bike, responsible riders need motorcycle insurance that provides complete protection year-round. At Patriot Insurance, we help Blaine area riders just like you find the coverage you need to feel confident while you ride.
Motorcycle Insurance Coverage Types
Your motorcycle is important to you; we get that. We also know how important it is to protect both you and your bike when you ride. Our motorcycle insurance options include far more than bare bones coverage. We aim to provide our clients with complete protection that minimizes risk exposure both on and off the highway. Some of the coverage types we offer include:
Liability
You may be responsible for paying for any bodily injury or property losses you cause to other people in an accident. Liability can help pay for medical bills, lost wages, pain and suffering, vehicle repairs, and more. It can also help foot your legal bills if you are sued.
Collision
If you crash into another bike, vehicle, or object, you cannot rely on liability-only protection to cover your own losses. Collision is insurance designed to reimburse you for damages to your own motorcycle in an accident.
Comprehensive
What would you do if your bike were stolen? What if a limb came crashing down on it at a summer motorcycle festival? In these scenarios, your comprehensive insurance could cover the cost of losses caused by events other than collision.
Personal Injury Protection
If you are injured in an accident, PIP provides peace of mind that your medical expenses are covered no matter who is at-fault. Personal injury protection may also provide reimbursement for lost wages if you are injured in an accident.
Uninsured/Underinsured Motorist
When an at-fault driver is uninsured or underinsured, this type of protection can help cover any medical expenses that exceed the limits on your personal injury protection.
Custom Parts and Accessories
Half the fun of owning a motorcycle is personalizing it with your own custom parts and accessories. If you have made upgrades or after-market modifications to your bike, custom parts and accessories coverage can reimburse you for losses not covered under your standard collision and comprehensive plans.
Trip Insurance
When a collision leaves you unexpectedly stranded during your next road trip, trip insurance can help pay for your food, lodging, and emergency transportation far from home.
Roadside Assistance
When your ride is suddenly cut short by a mechanical failure, roadside assistance is coverage you can rely on. This inexpensive insurance can provide you with 24-hour a day assistance when your bike has a flat tire, runs out of fluids, experiences battery failure, or suffers a mechanical or electrical malfunction. It can also provide you with towing services if necessary.
Minnesota Motorcycle Insurance Quotes
As an independent agency, we are in a unique position to provide expanded coverage for our clients. We offer flexibility for riders, with motorcycle insurance options available from several of the state’s leading carriers. We can compare rates and policies until we find the coverage that fits your needs and budget.
For more information about motorcycle insurance and how Patriot Insurance can save you money on the coverage you need, contact our office to request your free quote. We look forward to serving you soon.
