At The Treece Agency, motorcycle insurance is tailored to suit your unique needs as a motorcyclist in Tennessee. Bike insurance provides financial protection if you are found at fault for an accident or other incident involving your bike. Motorcycle insurance may also cover damage from theft, or vandalism, depending on your chosen policy.
Who Needs Motorcycle Insurance?
Tennessee state law requires all motorcyclists to carry motorcycle insurance. For most cyclists, we recommend policies that provide more than the minimum required to protect themselves against financial losses related to traffic accidents and other incidents involving their bikes. Even if you don't plan on riding regularly, coverage is still important in case of unexpected events like theft or vandalism that could result in major financial losses if not adequately insured.
What Does Motorcycle Insurance Cover?
Your motorcycle insurance policy will typically cover damage caused by accidents or other incidents such as theft or vandalism. It may also cover medical expenses related to injuries sustained during an accident and even the cost of repairing or replacing your bike if it is damaged due to an accident or theft.
What Doesn't Motorcycle Insurance Cover?
In most cases, your insurance policy will not cover any intentional acts of destruction that may occur due to racing or stunt riding activities; however, some insurers offer special endorsements for these activities. Additionally, most policies do not cover wear and tear on parts subject to regular maintenance, such as tires or brakes, so keep up with those routine checks!
No matter what kind of rider you are—whether you're a regular biker out to explore Tennessee or a seasoned enthusiast seeking extra protection—The Treece Agency has covered you! We offer customizable packages so you can tailor our motorcycle policies around your specific needs and budget. Contact us today for a free quote!