Iowa’s open roads can lead you to endless destinations and opportunities for adventure. Riding on two wheels makes the journey even sweeter – albeit with risks. At Midwest Insurance Solutions, we know the dangers you face when you ride and the lengths you go to for the protection of your motorcycle and the safety of yourself and others. When those precautions fail, you need reliable insurance to fall back on and help protect you against financial loss.
Coverage for Nearly Anything You Ride
There are not enough categories to describe all of the different bikes on Iowa roads. We’ve seen it all, from Harleys and custom choppers to sports bikes and stripped-down versions of garage motorcycles. The bottom line is if you ride anything, we probably have insurance options to cover it. We can even help you insure your non-traditional vehicles, such as scooters, trikes, and mopeds. If you have multiple motorcycles, we may even be able to find extra discounts for insuring more than one bike with the same insurer.
Insurance Built as Well as Your Bike
You put a lot into your ride. In addition to your initial purchase investment, chances are you have also paid for upgrades and other after-market features that customize your motorcycle and make it feel like your own. That’s the way your insurance should be, too. At Midwest Insurance Solutions, we go beyond the big picture and examine the details, ensuring that your motorcycle insurance policy is built with your needs and preferences in mind. Your policy may include several different types of coverage, examples of which include:
Physical Damages Coverage
This coverage helps compensate you for motorcycle damages or a total loss of your ride due to a covered event. There are two types of physical damages protection – collision and comprehensive. Collision coverage pays for repairs to your motorcycle when it is damaged in an accident, and comprehensive pays for damages when your ride is damaged by some other covered cause, such as fire, fallen objects, or hail.
Coverage for OEM Parts and After-Market Enhancements
If your motorcycle is damaged and in need of repair, make sure it gets put back together the way you had it. Talk to your agent about an OEM parts endorsement that assures your bike is repaired with original equipment manufacturer parts when available. You may also be eligible for after-market parts coverage, which helps compensate you for damages to upgraded features, such as your chrome.
If you cause an accident while operating your motorcycle, don’t empty your pockets on victim medical bills and property damage repairs. Instead, make sure your motorcycle liability coverage is sufficient to cover a major lawsuit and reduce your risk of personal financial loss. Motorcycle liability insurance is mandatory for riders in Iowa, but we typically recommend higher coverage limits than what is required by law. Talk to your agent for help determining how much liability coverage is right for you.
Your policy will likely contain several additional coverages, each of which is uniquely designed to protect you and your financial interests as the owner and operator of a motorcycle. Examples include:
- Uninsured/underinsured motorist (UM/UIM)
- Personal Injury Protection or Medical Payments
- Towing and Roadside Assistance
- Rental Car Reimbursement
Motorcycle Insurance in Des Moines
If you own a motorcycle or plan to purchase one soon, come visit the team at Midwest Insurance solutions to discuss your coverage options and get a quote customized to fit you. We look forward to serving you soon.