Motorcycle Insurance in Virginia & Maryland
Beacon
Motorcycle Insurance
- What Is It?
- Who Needs It?
- Coverages Offered
Motorcycle insurance is specialized auto insurance that’s designed to protect motorcycle owners and their bikes.
Most Virginia and Maryland residents who own motorcycles probably should have a motorcycle policy in place. State law generally requires vehicles driven on public roads — including motorcycles — to be insured, and not carrying insurance would leave riders exposed to significant financial risk even if laws didn’t stipulate that coverage is needed
Bodily Injury Liability Coverage: May cover injuries that other people sustain
Collision Coverage: May cover damage to a bike that occurs in a multi-vehicle accident
Comprehensive Coverage: May cover damage to a bike that occurs in other incidents
Personal Damage Liability Coverage: May cover damage to others’ property
Beacon Insurance Group is Here to Help
For decades, Beacon Insurance Group has been providing quality and affordable insurance coverage to the good people of Virginia and Maryland. Our team has carefully handpicked reputable insurance companies that we are confident can provide you with the security and peace of mind that you deserve.
Whether you are a business owner or looking for protection in your everyday personal life, we know that you don’t have the time to worry about your insurance programs. That’s what we are here for. At Beacon Insurance, we do the digging to find you the best possible coverage at the best possible price.
It’s incredibly important to us that we continually provide you with expertise and that personal touch that you are looking for when it comes to finding high-quality motorcycle insurance.
Fill out the form to get in touch with a specialized motorcycle insurance agent and we will get you the superior customer service that you deserve!
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What is Motorcycle Insurance?
Riding motorcycles is exhilarating, but a substantial amount of risk is involved. Motorcycle insurance won’t prevent an accident from occurring, but it may provide Virginia and Maryland riders with financial protection if they are in one.
Motorcycle insurance is specialized auto insurance that’s designed to protect motorcycle owners and their bikes. Because the insurance is specialized, riders who need coverage should take care to work with a knowledgeable insurance agent who’s familiar with these policies.
Who in Virginia & Maryland Needs a Motorcycle Policy?
Most Virginia and Maryland residents who own motorcycles probably should have a motorcycle policy in place. State law generally requires vehicles driven on public roads — including motorcycles — to be insured, and not carrying insurance would leave riders exposed to significant financial risk even if laws didn’t stipulate that coverage is needed
What Coverages Do Motorcycle Policies Make Available?
Motorcycle policies normally offer a range of protections. Some common coverages to consider are:
- Personal Injury Protection (PIP): May cover injuries that people on a bike sustain
- Bodily Injury Liability Coverage: May cover injuries that other people sustain
- Collision Coverage: May cover damage to a bike that occurs in a multi-vehicle accident
- Comprehensive Coverage: May cover damage to a bike that occurs in other incidents
- Personal Damage Liability Coverage: May cover damage to others’ property
- Accessories and Custom Parts Coverage: May cover aftermarket upgrades
- Personal Belongings Coverage: May over belongings stored on a bike
- Uninsured and Uninsured Motorist Coverage: May cover accidents involving uninsured drivers
Should Riders Purchase an Agreed Value or Actual Cash Value Motorcycle Policy?
Motorcycle policies come as either agreed value or actual cash value policies, and the difference lies in how the comprehensive and collision coverage limits are determined.
Agreed value policies normally offer coverage up to a predetermined amount, which may be preferable if a bike would cost more to replace than it could be resold for. Actual cash value policies generally insure for the fair market value, which is often fine for standard bikes that aren’t overly expensive.
A knowledgeable insurance agent can ultimately help riders decide which type of policy is best for their bike.
How Can Riders in Virginia & Maryland Get Motorcycle Insurance?
For help insuring a motorcycle registered in Virginia or Maryland, contact the independent insurance agents at Beacon Insurance Group. Our knowledgeable agents have helped many riders find motorcycle insurance, and we’ll make sure you get a good policy.
What are the Advantages of Working with an Independent Agent like Beacon Insurance Group?
This is a question that we hear all the time – and that’s okay! – because we know that the insurance world can be confusing. That’s why we are here to help you.
Securing your insurance through an independent agent rather than buying straight from an insurance company is similar to hiring a lawyer before going to court, rather than defending yourself. Just like lawyers, independent agents have the knowledge of the entire industry with attention to important, cost-saving details that only comes with years of experience.
But, UNLIKE lawyers, going through an independent agent not only comes with no extra charge, but it can often SAVE you money by being able to shop your needs to many different insurance companies, and also by ensuring that you are only being covered for what you need.
Independent agents are your helping hand in your journey through the overwhelming insurance world. We are real human beings that are equipped with the knowledge, expertise, and friendliness to help make your life easier, especially in the tough times. We recommend you submit a form on this page to talk to one of our agents for free – at your convenience!
