Category: Motorcycle Insurance

Stolen motorcycles are prevalent in New York, and most of them are not found. Of the returned bikes, the majority are not in one piece. Having theft coverage would help immensely. The Kimberly J Brennan Agency team, servicing Patterson, NY, will discuss how motorcycle insurance handles theft.

Does Motorcycle Insurance Cover Theft of a Motorcycle?

It depends on the type of coverage you have in your policy. Comprehensive coverage is the only coverage in motorcycle insurance that covers theft. Minus your deductible, the carrier will pay an amount close to what your bike was worth when the policy was active to replace your bike. If you don’t have comprehensive coverage, you must pay for a new motorcycle out of pocket if your bike gets stolen.

Many riders make the mistake of believing that motorcycle liability covers theft. It does not. Liability coverage covers injury and property damage caused by you to another person or property. It also covers their medical bills and legal fees. Liability does not protect you, your passengers or your motorcycle. 

Does Motorcycle Insurance Cover Stolen Parts, Gear, and Accessories?

It depends on the coverage listed in the policy. Carriers offer a rider called "accessories/custom parts & equipment (CPE)" as part of comprehensive coverage. Certain carriers bundle it with collision, while others offer it as an add-on. The coverage has an adjustable limit on stolen items. For coverage of stolen gear, request the separate add-on for apparel and headgear. If you don’t have the required add-ons when theft occurs, you’ll be responsible for replacing the stolen items on your own.

Call Us for a Quote

The Kimberly J Brennan Agency has handled several claims involving stolen motorcycles in and around the Patterson, NY area. Occasionally, we’ve had to inform clients that their motorcycle insurance doesn’t cover theft. We don’t want that to happen to you. When you speak to one of our agents, we will review your policy, compare insurance carriers and advise you on plans that suit your needs. Contact us for more information.

If you own a motorcycle, it’s essential to obtain motorcycle insurance. The professionals at Kimberly J. Brennan Agency, serving Patterson, NY, can help you find a motorcycle policy that meets your needs.

Our insurance professionals have years of experience prioritizing their customers and answering their questions. We understand the importance of finding an insurance policy that provides the right level of coverage, and we have the expertise and resources to make that happen. Here’s what you need to know. 

What Is an Independent Insurance Agent?

An independent insurance agent is someone who isn’t limited to selling for one insurance company. Instead, independent insurance agents have many insurance carriers as partners.

It’s a good idea to shop around when you’re looking for an insurance policy. This allows you to find the policy that fits your needs at the best price. When you use an independent insurance agent, you can be confident that your insurance agent is doing the shopping around for you. They work for your interests, not the insurance company’s.

Why Choose an Independent Insurance Agent for Your Motorcycle Insurance?

Independent insurance agents excel at providing their clients with a range of options. You don’t have to settle for policies from one carrier when you’re working with an independent agent, because your agent has many carrier partners to work with. This helps ensure that you will get a policy that offers the coverage you require. 

Get Started on Your Motorcycle Insurance Policy

Kimberly J Brennan Agency, servicing Patterson, NY, is an independent insurance agency staffed by insurance professionals you can trust. We’re committed to helping our customers get the best policy for their needs. To get started with your motorcycle insurance in New York, call today to speak with one of our insurance experts.