Insurance Solutions Wants You to Know
REPRINTED FROM FULL THROTTLE MAGAZINE (cover story)
By: Joe Turley
Owning a motorcycle today has become a much bigger responsibility than it used to be. The confusion of what to choose and how to protect that investment can overwhelm even the most knowledgeable people. Insurance Solutions, located in Mooresville, NC, wants to help riders in North Carolina and South Carolina by offering the best insurance coverage available. You may think you already have the best coverage, but before you decide that, read on. One of the most curious quirks of insurance is that it does not afford medical coverage to the operator of a motorcycle. Did you know that this varies from state to state?
Insurance Solutions would like to urge more people to encourage the state legislature to change this and allow insurance providers in North Carolina to at least give riders the option for this coverage. South Carolina residents now have this option. Also be aware that the uninsured/underinsured motorist (UM / UIM) option is the most important thing that a motorcyclist can have. Since it covers injury to the operator and passenger of the motorcycle in the event of an accident with an under or uninsured vehicle, you should always purchase the highest level of protection that is available.
Secondly, if anything were to happen to your motorcycle, the NADA appraisal guide is used to determine the value of that bike. This means that if you add any extras to your motorcycle, you must supply your agent with a list of receipts or an appraisal from an authorized motorcycle dealership along with pictures in order for the extras to be covered by your policy. Anyone living in your household that operates the bike must be listed on the policy as an operator for it to be covered in the event of an accident while they are operating it.
Also, even though most all dealers will call your insurance agency to let them know you have purchased a motorcycle, you are ultimately responsible to call them as well and follow up to make sure that all drivers are listed and assuring that any additions made to the bike are listed with them. If this information is not supplied to the agency within thirty days of purchase, your motorcycle may not be completely covered, or covered at all.
Now, I know that the comfort and convenience of having the same insurance agent covering your vehicle for so many years makes it easy to assume they will take the best care of your bike, but we would like you to make a call to them and check on exactly what your coverage consists of and then give Insurance Solutions a call to compare your current coverage with what Insurance Solutions has to offer.
Insurance Solutions specializes in motorcycle insurance coverage and works with several companies across the nation to make sure you get the most security for your ride. At Insurance Solutions, they are not paying famous actors, crazy squirrels, or even animated lizards to do their talking for them. They want you to call them directly to answer any questions you may have and get your free quote now. Besides, where do you think the money comes from to pay for all those high priced commercials? My guess would be all the monthly premiums paid in by people who aren't as educated on insurance as they should be.
In closing, I would like to remind you that by making a free phone call to get a free quote for coverage on your motorcycle, you are under no obligation to anyone. Whether it be a Harley-Davidson, a Custom made just for you, or a four wheeler you may use for hunting, the good folks at Insurance Solutions want you to know that whatever you ride, THEY WILL COVER IT!
Whether you live in North Carolina or South Carolina, you owe it to yourself to make that call and find out how to get the most protection for your ride. You can meet the Insurance Solutions staff at many of the motorcycle events throughout both North and South Carolina meeting, greeting and educating people on the business they are so passionate about. You can also go by and see them in person at 103 N. Church Street in historic downtown Mooresville (NC) or give them a call at either 704-664-9495 or 1-800-852-7365. Don't forget, we are MOTORCYCLE INSURANCE EXPERTS and we also ride, too.