Category: Motorcycle Insurance

Securing the Right Motorcycle Insurance in Ankeny, IA

Owning a motorcycle is a dream for many people. Whether you’re about to purchase a motorcycle or have just become a proud owner, securing the right insurance coverage is crucial. At Maschoff Insurance, serving Ankeny, IA, and the surrounding areas, we’re here to help you understand the finer points of motorcycle insurance. Let’s delve into this essential coverage.

Drive Only With Coverage

First, you should know that without proper coverage, you cannot legally drive your motorcycle on the road. Just like other vehicles, your motorcycle must be insured with at least the legal minimum coverage before you can operate it.

Potential Legal Consequences

If you ride your motorcycle without insurance, you risk facing legal repercussions. These may include tickets, fines, or potentially even more severe consequences. Continual illegal operation of your motorcycle might lead to a suspension of your license. Additionally, you may face legal liability for damage or injuries caused by your motorcycle to others.

Standard Auto Insurance Is Not Adequate

Motorcycles significantly differ from other types of vehicles and carry a higher risk of accidents, damage, and injuries. These risks extend not only to the rider but also to other drivers on the road. Consequently, a regular auto policy usually does not provide adequate coverage. It’s recommended to consult with an insurance representative to learn about specific motorcycle policies to ensure you find the right one to meet your needs.

If you’d like to learn more about motorcycle insurance, please get in touch with us today at Maschoff Insurance, which serves Ankeny, IA, and the surrounding areas.

Motorcycle insurance is essential for bikers in Ankeny, IA. At Maschoff Insurance, we’re here to insure your bike. There are plenty of great motorcycle insurance features that area consumers should be aware of.

The following are four motorcycle insurance features to be aware of. 

Liability coverage for property damage

Liability coverage for property damage is one of the most important components of a motorcycle insurance policy. You need to have property damage covered by your policy so that you don’t have to pay out of pocket if you damage the property of another party in a motorcycle accident. 

Coverage for guest passengers

You need to invest in guest passenger coverage if you frequently have a passenger on your bike. It’s important to make sure that your policy includes this type of coverage since a standard motorcycle insurance policy won’t always include guest-passenger coverage. 

Coverage for custom parts

Investing in custom parts can significantly increase the value of your bike. You need to make sure that your motorcycle insurance coverage reflects the value of custom parts that your bike includes. Many motorcycle insurance providers offer coverage for custom parts so that the full value of a policyholder’s bike is covered.

Diminishing deductibles

A diminishing deductible is a great feature that allows policyholders to enjoy a lower deductible if they haven’t filed a claim for a certain period of time. You should definitely look out for this feature and take advantage of it if you don’t need to file a claim for a long time. 

Reach Out To Us

At Maschoff Insurance, we’re here to come to your assistance when you need motorcycle insurance in Ankeny, IA. Call us today to get a quote on a policy. 

Cruising The Hawkeye State on the back of a motorcycle is the ultimate form of freedom. But it’s not all rewarding. It does bring some heightened risk. If an accident does occur, motorcycle riders are especially vulnerable. That’s why motorcycle insurance is so important. Just like a helmet, glasses, and gloves, motorcycle insurance is the extra layer of protection you need while riding.

Luckily, Maschoff Insurance can help. Serving the greater Ankeny, IA area, our primary goal is to keep you safe and secure on the roadways.

Here are five common motorcycle claims to look out for while on the roadways:

Excessive Speed

Reckless driving is the leading cause of all motorcycle-related fatalities. Obey the rules of the road, following posted speed limits and wearing all safety gear.

Distracted Driving

Awareness is the most important. Eliminate all distractions, like cell phones and radios, when driving.

Roadway Debris

It’s tough to navigate obstacles on the roadway when you are speeding or not paying attention. Always stay vigilant, searching for potential hazards, like rocks and trash.

Poor Weather Conditions

You can’t control the weather. Heavy rain, high winds, and fog reduce visibility. Don’t ride in these conditions. If a storm pops up while you’re already on the road, pull over and wait for it to pass.

Improper Lane Switching 

Display extra care at intersections. Improper or illegal left turns are a major cause for concern. And avoid lane splitting. This occurs when a motorcycle tries to navigate between two lanes of traffic.

Contact Us Today

Maschoff Insurance in Ankeny, IA understands that any accident can be dangerous. But motorcycle collisions can be especially tricky. That’s why motorcycle insurance is a must. Let our experienced agents find a policy that keeps you protected. Call to set up an appointment today.

Maschoff Insurance is an independent agency. We work closely with multiple carriers across the Midwest. We strive to help our clients find policies to protect their assets. We offer flexible coverage options to ensure that you will find something that aligns with your current situation.

Motorcycle Insurance Breakdown

Motorcycle insurance protects you as you travel around Ankeny, IA and the surrounding areas. The coverage protects you if your bike suffers damage through impact with an object. Comprehensive coverage protects you if your bike is stolen or in unique situations, such as colliding with a deer. Because operating a motorcycle is a relatively high risk, accidents may occur. If you are ruled to be responsible for possible damage or someone gets injured, liability coverage will protect you if the affected party pursues legal action. If there is a passenger on your motorcycle, personal injury protection covers you if they suffer an injury.

You can also amend your policy to provide extra coverage in unique situations. Perhaps you are traveling out of Ankeny IA and you plan to take a vacation. Unfortunately, your motorcycle breaks down, and you are stranded. You can add roadside assistance to your policy so that you will be covered during this difficult situation. You may also qualify for interruption coverage, which covers you if you need a place to stay while your motorcycle is being repaired. If you have custom parts on your motorcycle, you can add custom parts coverage, which will help you replace those items if they are stolen or seriously damaged. Consider adding lay-up coverage, which protects your bike if something happens to it while you aren’t planning to use it.  

Maschoff Insurance Will Help You Cover Your Assets

Visit our website to learn more information about motorcycle insurance.