Auto Insurance
What is an Insurance Declarations Page?
A declarations page, also sometimes referred to as a “dec page,” is a page from your insurance policy that sums up your policy coverage.
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Riding a motorcycle can be thrilling, but there’s more to it than the wind in your hair. Second only to wearing a helmet, carrying the right insurance is one of the best ways to protect yourself and your bike in the event of an accident.
Riding a motorcycle can be a thrilling way to travel from place to place, but there is more to it than the feel of the wind in your hair. If you are going to be riding your motorcycle, you need to have motorcycle insurance. Second only to wearing a helmet, carrying robust motorcycle insurance is one of the best ways to protect yourself and your bike in the event of an accident.
Everyone who rides a motorcycle needs to carry liability insurance. Whether or not the law in your state requires it, you need to carry insurance to protect yourself financially.
Motorcycle insurance is required by law in almost every state, with some states like Florida and Montana only encouraging you to carry a minimum amount of coverage. The state requirements for motorcycle insurance are often extremely low — some states require as little as $5,000 in property damage liability and $15,000 in bodily injury liability. Liability limits this low could leave you responsible for tens or even hundreds of thousands of dollars in damages if you are at fault for an accident, which is why Goosehead recommends carrying the highest limits available.
Goosehead finds the best coverage and cost options to fit your needs.
A declarations page, also sometimes referred to as a “dec page,” is a page from your insurance policy that sums up your policy coverage.
You can purchase many different coverages available for your motorcycle, including:
Liability only coverage includes bodily injury and property damage liability, both of which pay for damages you cause to other people and their property. It is possible to cause significant damage, even on a motorcycle, which means it is important to carry levels of liability coverage that will protect you in a worst case scenario. What if you hit a Range Rover, or you cause an accident with a car that has three children in the back seat? You need to be prepared to pay for significant liability costs, which means choosing the highest level of liability coverage you can afford.
Full coverage includes liability insurance as well as comprehensive and collision coverage. These coverages will pay to repair or replace your motorcycle and any riding equipment and accessories that are damaged in the event of an accident, no matter who is at fault. This type of coverage is almost always required for people who have a loan on their motorcycle. Full coverage may also include roadside assistance or other benefits, depending on the details of the plan you choose. You can work with our experts at Goosehead Insurance to make sure your insurance includes the coverages best for you.
Each state has their own unique requirements when it comes to motorcycle insurance. Some states require motorcyclists to carry some amount of PIP coverage, while others require you to carry uninsured/underinsured motorist coverage. Some states require you to carry both coverages, while other states have no minimum coverage requirements for motorcyclists at all. Because regulations vary from state to state, it is important to keep up-to-date on the requirements for motorcyclists in your state.
While motorcycle insurance is typically cheaper than auto insurance, it can still be pricey, especially for sport bikes or young riders. Many companies offer a variety of discounts for motorcycle riders, including bundling discounts, responsible rider discounts, and pay in full discounts, all of which can help reduce your rates.
Comparing quotes is often the best way to make sure you are getting the lowest price on your insurance. Our experts at Goosehead Insurance will help you compare quotes and recommended the best possible motorcycle insurance coverage for your needs.
The contents of this article are meant as general information to help you understand personal lines insurance and not specific to a particular policy. Policies, coverages and discounts can vary by state and insurance carrier. To understand your coverage, you should speak directly with a licensed insurance agent or read your full policy contract. Call your agent or contact us at (833) 779-4090.
Navigating the world of personal property insurance can be overwhelming. How much insurance you really need depends on what assets you lease or own. At the very least, if you own or lease a car, you’ll need car insurance, and if you own a home, you’ll need homeowners insurance. Any other policies you may need to consider above those two are based on your location, assets, lifestyle, and risk tolerance. This guide will walk you through key types of insurance, helping you make informed decisions based on your circumstances.