Accessory Coverage with Your Motorcycle Insurance

Motorsports are big in Southern California. If you customize your bike, you will need motorcycle accessory coverage.

Accessory coverage is an add-on to your motorcycle policy that covers repairs and replacements for customized parts on your bike. At Rock Hard Insurance Agency, serving Fontana, CA, we recommend accessory coverage for all our customers who have added extras to their bikes.

What’s Covered with Motorcycle Accessory Coverage?

Something that isn’t factory standard for your motorcyclist is usually classified as an accessory. This kind of insurance covers aftermarket additions to your motorcycle, even if you buy your motorcycle used and the previous owner added them.

Accessory coverage safeguards:

  • Custom paint jobs.
  • Custom seats and wheels.
  • Chrome.
  • Handlebars.
  • Saddle bags.
  • Electronics.
  • Your helmet, jacket, and protective gear (if these are written into your policy).

If you are continuously adding to your bike, you will want motorcycle accessory coverage.

How Motorcycle Accessory Coverage Works

If you ride a motorcycle in California, you must have liability insurance. But it is important to know that liability insurance only covers damage done by your bike, not damage is done to your bike. Comprehensive and collision insurance covers damage to your bike. But they don’t necessarily cover accessories. You will need comprehensive or at least collision coverage to get insurance for your accessories. If you opt for collision coverage, then your policy only pays when the add-ons for your bike are damaged in a collision. If you get comprehensive, they are also covered for vandalism and theft.

Your Rock Hard Insurance Agency agent can advise whether you need a separate rider for each accessory. Usually, your comprehensive or collision rider will cover accessories up to a stated dollar value. If you spend more on accessories than the stated limit in your policy, Rock Hard Insurance can ensure you get all the coverage you need.

The Benefits of Customizing Your Motorcycle Insurance Policy

Riding a motorcycle in Fontana, CA requires insurance coverage, but not all bikes and riders have the same needs when it comes to that coverage. At Rock Hard Insurance Agency, we want you to have the type of coverage that suits you specifically.

And that’s what customizing your motorcycle insurance policy is all about. You want a personalized policy tailored to your needs, and there’s a tremendous amount of benefit that comes along with that.

What Does Customization Mean for Motorcycle Insurance?

Insurance policies can vary a great deal. Outside bare minimum coverage, you’ll notice that some policies might offer more of one type of coverage but not enough of another. For example, you may need more liability coverage than what’s typically packaged into a policy because you live in a busier part of town. Or, you might want more comprehensive coverage.

In these cases, you will need to go beyond the minimum package without moving forward with a higher-tier package that offers you barely what you need and too much of what you don’t need.

To that end, we will work with you to make sure you have the legal coverage you need, but also the additional coverage you may find necessary for your activities, type of motorcycle, or peace of mind.

What Types of Coverage Options Exist for Customization?

Various coverage types exist, and the most common include:

  • Liability
  • Collision
  • Comprehensive
  • Uninsured/Underinsured Motorist
  • Medical Payments

You may even have special or unique policy needs because you ride a special or unique type of motorcycle. Personalizing your motorcycle insurance policy ensures your valuable investment has adequate protection and that you have more freedom to enjoy your ride.

We Are Here To Help

Rock Hard Insurance Agency serves Fontana, CA and surrounding areas. If you want to learn more about personalizing or customizing your motorcycle insurance policy, contact us today to find out how.

Motorcycle Insurance Requirements in California

The agents at the Rock Hard Insurance Agency serving the Fontana, CA area are touting the importance of motorcycle insurance. In the state of California, it is required that all drivers, including motorcyclists, have at least a minimum amount of liability insurance in place. Motorcycle liability insurance will assist in paying for property damage and bodily injuries that may be caused in an accident.

Motorcycle Insurance Requirements

While uninsured and underinsured motorist coverage, as well as personal injury protection, is not required under the laws in California, it is not a bad idea to have these types of insurance coverage options in place. This will help you out if your motorcycle is damaged or you are injured in an accident with a driver who does not have any insurance or does not have an adequate amount of insurance.

Comprehensive Insurance

This type of motorcycle insurance will help protect the investment you made in your motorcycle. This is due to the fact that if your motorcycle is damaged or destroyed by a fire, natural disaster, or an act of vandalism, this type of insurance can help you repair or replace your bike. Comprehensive insurance will also assist you with replacing your motorcycle if it is stolen.

Collision Insurance

Collision insurance is important to have if you collide with another vehicle or a stationary object. Both collision and comprehensive motorcycle insurance may be required by your lender if you still owe money on your motorcycle. In other words, these two types of coverage options will help you to protect your investment in your bike as well as the investment your lender has made in your motorcycle.

Reach Out To Us

To create the best motorcycle insurance policy for you and your situation, contact the motorcycle insurance specialists at the Rock Hard Insurance Agency in Fontana, CA today!

3 Motorcycle Safety Tips You Need to Know Before Hitting the Road

At Rock Hard Insurance Agency in Fontana, CA, we know motorcycle accidents can often be severe, so it’s essential to be as prepared as possible. Wearing the proper gear, keeping your motorcycle in good repair, and being aware of your surroundings are all keys to staying safe on the road.

Before you enjoy a motorcycle ride, brush up on these safety tips:

Wearing the proper gear is essential to motorcycle safety.

Wearing the proper gear can help protect you from severe injuries during a crash. A good motorcycle helmet, for example, can help to protect your head and brain from the force of an impact, while thick, durable clothing can help to shield your skin from being scraped or burned in a spill. Wearing the right gear can make the difference between walking away from a motorcycle accident and being rushed to the hospital.

You need to be aware of your surroundings at all times.

Because motorcycles are more vulnerable to the elements and other vehicles on the road, you must always be aware of your surroundings. It would help if you kept your eyes and ears open. The best way to do this is to keep your head up and look around. Your mirrors are vital tools, so use them often. Check for vehicles in your blind spots, and always be aware of what is behind you.

Make sure your motorcycle is in good working order.

As a motorcycle rider, you must ensure your motorcycle is in good working order. Not only is it essential for your safety, but it is also crucial for the safety of other riders on the road. A motorcycle not maintained correctly can be a danger to yourself and others.

Get Motorcycle Insurance Today

Looking for motorcycle insurance? Look no further than Rock Hard Insurance Agency in Fontana, CA! You can rest assured that you’re getting the coverage for your motorcycle that you need. Contact us today to get started!

Do you need motorcycle insurance in Fontana?

The Fontana, CA area continues to be well known for being a great community that has a lot of local amenities. When you are in this area of the state and want to enjoy it as much as possible, investing in a motorcycle can be a great option. Not only is this an efficient mode of transportation, but the nice weather and great scenery can make them fun to use in this area. When you are getting a motorcycle, you also need to get insurance for it. Motorcycle coverage is needed for several reasons. 

Protection Needed for Motorcycle

You should first get this type of insurance to protect your motorcycle. If you are going to purchase a motorcycle, knowing that you can use and enjoy it for a long time is helpful. With a collision and comprehensive plan, you will get support if your vehicle is stolen or involved in an accident.

Insurance is a Requirement

You will also need to get motorcycle insurance because it is a requirement. If you intend to use the motorcycle on a public road, you will need to meet California’s standards regarding insurance. This includes requiring you to have liability insurance, which will ensure you can cover damages that you may cause in an accident. A lender may require you to have more substantial coverage to protect their loan collateral. 

People that are in the Fontana, CA area will always want to know that they are properly insured with motorcycle insurance. As you are looking for any form of support in this area, it would be wise to call Rock Hard Insurance Agency. There are various decisions to make when looking for coverage and Rock Hard Insurance Agency can help you choose a motorcycle insurance plan that will allow you to stay in compliance with your specific insurance requirements. 

California Motorcycle Insurance: How to Prevent Theft of Your Bike

When you have a motorcycle in California, you want to be sure that it is protected from all ill will in the world. At Rock Hard Insurance Agency, we’ve seen too many Fontana, CA residents lose one of the most precious things in the world to them. 

Follow these tips to protect against theft of your motorcycle in California.

Theft Prevention Gear

There are a lot of ways that you can protect your bike from theft with motorcycle security and protection. Theft prevention gear for bikes today is extensive and ranges from locks and chains to state-of-the-art motorcycle security systems.

Use a cover for your bike and keep it secure at all times.

Security Cameras

Insurance companies really like security cameras, and so do the police. Keep your bike near security cameras and in a well-lit area when not in use. There are many affordable options that you can purchase that will get the job done.

Secure the Vehicle

If you can put your motorcycle away where nobody can see it, this is the best way to prevent vehicle theft. Curtains around your bike, or a garage would be helpful. Even securing it away from the road would be a good anti-theft storage method.

Get a Tracker

Trackers for motorcycles are becoming increasingly common. Invest in a GPS tracker for your bike so that you or the police will be able to locate it in the event it goes missing or gets stolen.

Get a Quote

Follow these security tips for your motorcycle when you are at home, and when you are on the road. Always be vigilant. At Rock Hard Insurance Agency, we can help Fontana, CA residents feel more secure with the right theft coverage for your California motorcycle insurance. Call us for a quote today.

Why should I get motorcycle insurance in Fontana?

In the Fontana, CA area, owning a motorcycle can be a great option. If you are a motorcycle owner in this area of the state, it will give you an efficient way to get around town while also allowing you to enjoy the nice weather and scenery. If you are going to purchase a motorcycle here, you also need the right insurance for it. There are a few reasons why you should get a motorcycle insurance plan when you are here.

Insurance is Required to Drive

People need to get a motorcycle plan here because it is a requirement for you to be able to drive. Similar to when you use any other type of vehicle, a motorcycle operator needs to carry liability insurance at all times. Those who do not carry motorcycle insurance could find themselves in trouble with the law and may need to pay a fine or even lose their right to drive.

Insurance Protects Asset

You will also want to get a motorcycle insurance plan because it can protect your asset. Anyone going to buy a motorcycle will be making a big purchase that they will want to have covered for years to come. With a full motorcycle insurance plan, you will get the protection needed to repair or replace your motorcycle. 

When shopping for a new motorcycle insurance plan in the Fontana, CA area, it would be a good idea for you to call the Rock Hard Insurance Agency. If you do work with the Rock Hard Insurance Agency, you can learn a lot about how this insurance can protect you. The team will then help you build a plan that provides the ideal coverage for your situation.