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Pethel Insurance Group

2622 Dale Earnhardt Blvd
Kannapolis, NC 28083

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What First-Time Riders Must Know About Motorcycle Insurance

Motorcycle riding brings a unique sense of freedom and thrill, particularly to the residents of Kannapolis, NC. But if you are a novice, there are legal requirements you need to be aware of before hitting the road. One crucial requirement is motorcycle insurance, which varies significantly from your car insurance policy. The team at Pethel Insurance Group is ready to guide you on the mandatory insurance coverage for your newly acquired motorcycle.

Essential Coverage for First-Time Riders

At first glance, motorcycle and automobile insurance may seem similar, but the reality is quite different. Motorcycle insurance requires a standalone policy for legal compliance. While it may have similar categories like bodily and property liability for covering accidents, remember that the two policies function independently.

If your motorcycle is financed, the lender may likely require comprehensive and collision coverage on your policy. Comprehensive coverage pays for theft or damage that didn’t result from an accident, while collision coverage assists in repairing your bike if you collide with another vehicle or damage it while avoiding a potential accident. Depending on your policy, it might even replace your bike up to its limit, less the deductible.

Additional Coverage to Consider

Aside from the mandatory coverage, a savvy motorcycle rider may want to explore additional coverage for optimal protection. Medical payment coverage is wise, as it helps compensate for medical expenses if you and a passenger are injured in an accident. Furthermore, uninsured/underinsured coverage would cover damages to your motorcycle and medical bills if the at-fault driver does not have adequate insurance coverage.

Contact the Pethel Insurance Group, serving Kannapolis, NC, today to develop a tailored motorcycle insurance policy that fits your needs and guarantees your safe and legal rides.

Does Motorcycle Insurance Feature Hospitalization Coverage?

If you ride a motorcycle, it’s essential to have the right coverage and understand the terms and conditions of your policy. If you need to acquire reliable motorcycle insurance protection, the experts at Pethel Insurance Group in Kannapolis, NC can help. 

Motorcycle Insurance Coverage

Motorcycle insurance works much like auto insurance but with different coverage, limitations, and options. If you were involved in a motorcycle accident with injuries and need emergency care or hospitalization, your motorcycle insurance will cover your medical bills. If you would like to learn more about motorcycle coverage, its terms and conditions, and options for coverage, our insurance agents can assist.

When you work with our team of agents, take the time to understand your needs and match you with high-quality insurance products that meet those needs. They’ll also educate each customer about the terms and conditions and explain the fine print to ensure you understand your purchase product. We also provide superior customer service before, during, and after the policy purchase. We can assist you with any changes you may have during the policy’s lifetime or help with claim submissions. It’s all a part of our commitment to exceptional customer service.

Find Out More Today

If you would like to learn more about motorcycle insurance or any other reliable Insurance options we offer customers, please feel free to contact us today. Call or stop by the office of Pethel Insurance Group, serving the greater Kannapolis, NC community, to schedule a consultation with one of our agents. We take pride in providing support and services to the residents in and around the area. Don’t take risks with motorcycle coverage. Get the advice and guidance you need to make a decision that provides protection and peace of mind.

Understanding Motorcycle Insurance: Coverage Options and Requirements

Motorcycle insurance is a type of insurance that provides financial protection for motorcycle owners in the event of an accident, theft, or other damages to the bike. Motorcycle insurance is a legal requirement in many areas, so the team at Pethel Insurance Group has put together some easy resources so you can understand what it covers and the options available for you in the Kannapolis, NC area. 

What Does Motorcycle Insurance Cover?

Liability coverage is the minimum requirement for motorcycle insurance in most areas. It covers the cost of damages or injuries to other people in the event of an accident that you’re liable for. This includes things like medical bills, property damage, and legal fees.

Collision coverage covers damages to your motorcycle in the event of an accident. This includes repairs or replacement costs if you’re at fault for the accident or if the other driver is uninsured or underinsured.

Comprehensive coverage provides protection for non-accident-related damages to your motorcycle, such as theft, vandalism, or weather damage.

Additional Coverage Options to Consider for Motorcycle Insurance

Additional coverage options to consider include medical payments coverage, which covers medical expenses for you and your passenger in the event of an accident, as well as roadside assistance, which provides help if your motorcycle breaks down or needs repairs while on the road.

When choosing a motorcycle insurance policy, it’s essential to consider your specific needs and driving habits. Factors that affect your rates include your driving record, the value of your motorcycle, the type of motorcycle you own, and the location where you ride.

Reach Out To Us

At our Pethel Insurance Group, serving the Kannapolis, NC area, we offer a range of motorcycle insurance options to ensure that you have the coverage you need. Our experienced agents can help you navigate the different coverage options and requirements to find the policy for your needs. Contact us today to learn more about our motorcycle insurance options. 

3 Pieces of Gear You Need to Ride a Motorcycle Safely

You need three main pieces of gear to ride a motorcycle safely. These include a helmet, gloves, and boots. Each of these items provides a different level of protection, so choosing the right gear for your needs is critical. From Pethel Insurance Group, here are the reasons why Kannapolis, NC motorcycle owners need these pieces of gear every time they ride.

3 Pieces of Gear You Need to Ride a Motorcycle Safely

Wear a helmet

There are many reasons to wear a helmet when operating a motorcycle. For one, it can help protect your head in the event of an accident. Additionally, helmets can help reduce wind noise and protect your face from bugs and debris. What is the best helmet to wear when riding a motorcycle?

There is no definitive answer about the best helmet for motorcycle riding. However, many experts recommend full-face helmets because they offer the most protection for your head and face.

Wear a jacket

Wearing a jacket while operating a motorcycle has several benefits. A jacket will protect you from the elements, including wind, rain, and cold temperatures. Second, a jacket will provide some protection in the event of a fall. Third, a jacket will make you more visible to other motorists.

Wear boots

Boots are an important part of a motorcyclist’s wardrobe because they protect your feet and ankles from the elements and road debris. They also provide good traction when you need to put your foot down on the pavement.

Get Motorcycle Insurance Today

Pethel Insurance Group in Kannapolis, NC offers motorcycle insurance coverage to protect you and your bike on the open road. We have various coverage options to choose from, so you can find the right policy for your needs. Contact us today to get started on your motorcycle insurance quote.

Motorcycle Insurance Overview

Pethel Insurance Group is an independent agency. For over 10 years, we have helped Kannapolis, NC residents find the coverage they need to protect their assets. We work closely with multiple carriers throughout the South. This allows us to assess our clients’ needs on an individual basis. We will consult with you to figure out which policies most align with your current situation.

Motorcycle Insurance Overview

While operating a motorcycle is fun, it can also be dangerous at times. Much like driving a car, navigating unpredictable road conditions can lead to accidents. Motorcycle insurance protects you as you travel through Kannapolis, NC and beyond. The policy covers you if you make an impact with a vehicle or object and damages occur. Liability coverage protects you if you are held responsible for causing damages or an injury. Comprehensive coverage protects your motorcycle in multiple ways. Perhaps you are riding through a rural area, and you accidentally make contact with a deer. Comprehensive coverage covers any damages to your motorcycle as a result of the collision. You are also covered if your motorcycle is stolen or vandalized. Comprehensive coverage also covers any necessary repairs if your motorcycle is damaged due to severe weather.

If you are operating your motorcycle with a passenger and an accident occurs, liability coverage will take care of the medical treatment if your passenger suffers an injury. If you are traveling long distances on your motorcycle, consider adding emergency assistance coverage. This type of coverage protects you if your motorcycle is having mechanical issues. You will receive urgent service to fix the problem and help you stay safe.

Pethel Insurance Group Will Help You Protect Your Assets

Visit our website to learn more information about motorcycle insurance.