Motorcycle Coverage Explained

Terms You Should Know

Understand the insurance lingo. We've listed some key phrases below.

• Liability, also known as "BI" or bodily injury, pays for someone else's injuries if an accident is your fault. Likewise, another rider's BI pays you if he/she is at fault.
• Property Damage pays for damage you inflict on someone else's property. New York requires a minimum of $10,000, but buying more doesn't hurt, since most new bikes exceed this amount.
• Comprehensive covers your motorcycle for other losses, such as fire and theft. Here again, higher deductibles usually help to reduce your premium.
• Collision covers your motorcycle, minus the deductible, for damage from a crash of any sort, regardless of fault. Generally, the higher the deductible, the lower the premium. Rates vary by age, driving experience, driving record and type of cycle.
• Premiums are what you pay for your insurance coverage. Once you determine what type of coverage you need for your motorcycle, Lighthouse will shop around to compare rates with several carriers. Rates can vary considerably, depending on the type of motorcycle and experience of the driver.
  
  

Getting on the Road to Savings

That's what owning a motorcycle is all about. Hitting the road when you feel the urge. Going where you want to go... when you want to go.

At Lighthouse Insurance, our annual and Semi-annual motorcycle insurance plans give you the freedom to ride. That means you can ride your cycle wherever you want, during the covered policy period.

Lighthouse Insurance represents several well-recognized Insurance Companies in the motorcycle insurance industry. Lighthouse offers great rates for good riders, discounts and outstanding customer service. You get a choice of coverages, deductibles, policy terms and flexible payment programs. With Lighthouse, we help you select a motorcycle insurance policy that meets your specific needs and budget.

Good Riders Save with Lighthous

Annual policies underwritten through our preferred carriers provide year-round coverage at substantial savings:

Save 10%: If you've had insurance with another company during the previous cycling season.

Save 10%: With a certified NYS Defensive Driving Course discount.

Save 5%: If your cycle has an operational audible anti-theft device.

Save 10%: With a special annual policy, where you pay 10 months of premium for 12 months of coverage.

How to Avoid an Accident on a Motorcycle Drive defensively; be aware of your surroundings at all times. Remember, blame is irrelevant when people are killed our injured in a motorcycle accident. The reality is that it is up to the driver to remain alert and drive responsibly. Here are some important steps that my help avoid an accident:

1. Wear your helmet while occupying the bike.
2. Wear highly visible clothing and use you headlight, even during daylight.
3. Communicate with other drivers by using hand signals along with vehicle signals.
4. Keep an adequate space cushion when following, being followed, sharing your lane, passing other vehicles or being passed.
5. Scan your course of travel, Identify and Predict possible hazards ahead.
6. Remain alert and always be prepared to avoid an accident.
7. Take a certified NYS Defensive Driving Course.

Motorcycle riding is an inherently dangerous activity that can result in serious injury or death. We recommend that you seek proper training and equipment before attempting this activity. Ride Safe!

Should you have any additional questions about Lighthouse's motorcycle insurance coverage, please don't hesitate to contact your local Lighthouse representative today at 1-888-399-0300. Get an immediate quote today!
"Please refer to your policy declarations page as special terms, conditions And exclusions may apply."