Inaccurate Information About Motorcycle Insurance Mississippi Residents Should Avoid While Researching Policies

OFS Insurance Agency, LLC serves the Clinton, MS community, and the surrounding areas, by offering people multiple types of insurance coverage. We are committed to helping our clients find insurance coverage to protect their most important assets.

Inaccurate Information About Motorcycle Insurance

Many people enjoy exploring the scenery around Clinton, MS on their motorcycles. If you enjoy traveling around through the area on your motorcycle, it’s important that you have coverage. Motorcycle insurance covers you if you are involved in a collision. You’ll also be covered if your motorcycle is vandalized and needs repairs. While you are researching different policies, avoid reading some of the inaccurate information regarding motorcycle insurance.

You may read that you can let other people ride your motorcycle and not be responsible because they have insurance. This is not true. If you let someone else ride your motorcycle and they are involved in a collision, you may be held responsible for their actions. It’s important that you are the primary operator of your motorcycle, and if you choose to let someone else use it, they should be someone you trust.

You may read that coverage is unnecessary as the season changes, and you aren’t riding your motorcycle regularly. Your coverage is an asset while you have your motorcycle in storage. Accidents happen, and you may accidentally knock over an object that cracks your motorcycle. Having coverage will give you peace of mind during that situation.

You may read that having a speeding ticket may impact your policy. This is incorrect. While you should strive to operate your motorcycle safely at all times, your policy will not be impacted by one minor speeding ticket.

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Scenarios Motorcycle Insurance Can Protect You Against In Mississippi

The moment you buy a motorcycle in Clinton, MS, you have to make sure that you get motorcycle insurance. Not only is an insurance policy critical to stay compliant with the state but also to protect you against various scenarios. At OFS Insurance Agency, LLC, our agents can work to customize a policy for you.

Once you register your vehicle, you will need to show proof of motorcycle insurance. The state of Mississippi requires you to have liability coverage over bodily injury and property damage. You would be protected in various scenarios where you’re involved in an accident with another vehicle.

What other scenarios are you protected against?

The reality is that you never know what could happen on (and off) the roads of Clinton, MS. If you are injured or your bike gets damaged, you want to know that you have sufficient protection with your insurance. You should be able to file a claim, pay the deductible, and let the insurance company take care of the details.

What happens if your bike wipes out on road debris or your bike gets stolen at your home? You have to expect the unexpected when you begin customizing your motorcycle insurance policy.

By adding various riders and levels of coverage, you can protect against all sorts of scenarios including:

  • Injuries to you and your passenger
  • Damages as a result of a collision
  • Damages as a result of a storm
  • Vandalism
  • Theft

Don’t assume that your home insurance policy will cover theft, even if your bike is parked inside your garage. By working with an agent, you can discuss just how comprehensive your policy can be. This way, you’re protected against more scenarios that could occur at any time throughout the year.

When you’re ready to focus on a motorcycle insurance policy in Mississippi that you can count on, call us at OFS Insurance Agency, LLC today.