This month we sat down with Allstate Insurance agent and long-time customer Darren Brown to answer some of the more common questions we get here at the shop regarding motorcycle insurance coverage.
Q: Should I cancel my motorcycle insurance in the Winter?
A: No, because many companies offer a prior discount and if you cancel your policy for the winter this eliminates this discount.
Q: If not, do you recommend any policy changes at all?
A: Many people will lower their liability limits down to state minimum, remove medical coverage and uninsured motorist coverage & any optional overages.
Q: How do I ensure that all of my upgrades/accessories are covered, too?
A: These are often referred to as optional equipment, some companies have limitations/stipulations such as custom paint, I would recommend discussing with your agent.
Q: I know that not all tow-trucks are equipped with the ability to tow motorcycles. What do you recommend in terms of roadside assistance that can tow bikes?
A: Some companies offer this optional coverage with their policies at a very reasonable price, we only use flat bed tow trucks.
Q: Does motorcycle insurance cover track days?
A: NO. Insurance companies will NOT cover any vehicle used in a completion for money or prize.
Q: What if I’m participating in track days not for money or prize, but rather to strengthen my riding skills- such as a riding school or defensive riding course?
A: With our company it is covered since it is not a competition, and I would imagine with most companies it would be.
Q: Will my motorcycle insurance will cover other riders?
A: Many companies do not cover other riders, this is a subject you should definitely ask your agent before lending your bike to anyone.
Q: Any other advice you’d recommend to motorcyclists regarding their insurance policies?
A: I would point out something that I see a lot of people who come in, their current policy doesn’t cover uninsured motorists bodily injury and also does not cover any medical expenses. I recommend that they ask their agent if these are covered on their policy. The time to find out is NOT when they need them. I was one of the designers of the Allstate motorcycle policy and it is the most complete bike policy available in the country both coverage and price.
How can riders contact you if they have additional questions about their coverage?
Facebook: Click here!
Website: Click here!
Phone: (937) 644-9118 or (800) 646-9565
Address: 16505 Square Dr. Marysville, OH 43040
Email: darrenbrown@allstate.com/
Thanks for taking the time to help us better understand our rights and coverage, Darren! Feel free to reach out to Darren if you have any additional questions. He’s a wealth of knowledge in every area of insurance and also has the advantage of being an avid rider himself!
