Motorcycle Insurance in Hialeah, FL & Pembroke, FL
At Government Insurance Corp, we understand the importance of keeping your finances on track while you ride in Florida. Our team can help you choose a motorcycle policy that aligns with your budget and preferences.
What Does Motorcycle Insurance Cover?
A standard motorcycle insurance policy may offer a range of financial protections, such as the following:
- Liability coverage may help pay for third-party injuries or property damage you may cause to others in an accident.
- Collision coverage may cover repairs or replacement if your motorcycle is damaged in a collision, regardless of fault.
- Comprehensive coverage may provide coverage against noncollision events such as theft, vandalism or weather-related damage.
- Uninsured/underinsured motorist coverage may apply if you’re involved in an accident with an at-fault driver who has little or no insurance.
- Medical payments (MedPay) coverage may help cover medical expenses for you and your passengers following an accident.
Is This Policy Required?
Most states require motorcycle owners to carry at least minimum liability coverage. While personal injury protection (PIP) may be available, riders are generally responsible for their own injuries and damage. Additional coverage can help manage unexpected expenses.
What Factors Can Affect My Policy Costs?
Insurers may look at various details when determining your rate, such as:
- Driving history: A clean record may lead to lower premiums, while past violations or accidents can increase costs.
- Motorcycle type and value: High-performance or costly bikes typically raise rates.
- Claims history: A history of frequent claims can result in higher rates, while few or no claims may help lower your premium.
- Coverage choices: Selecting higher coverage limits or adding optional coverage can increase your policy cost.
- Deductible amount: Choosing a higher deductible may lower your premium, but you’ll pay more out of pocket if you file a claim.
We’re Here to Help
Contact Government Insurance Corp to discuss your motorcycle insurance needs and get a free personalized quote.