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Brownsburg, IN 46112

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Protect Yourself With Motorcycle Insurance in Brownsburg, IN

If you’ve ever been in an accident on your motorcycle, you know how important it is to have good insurance coverage. Motorcycle insurance can help pay for repairs to your bike, medical bills, and even provide income replacement if you’re unable to work after an accident.

Is Motorcycle Insurance Required in Brownsburg, IN?

Yes. Indiana law requires all motorcycle operators and passengers to have liability insurance. The minimum coverage is $25,000 per person, $50,000 per accident for bodily injury, and $25,000 for property damage. Grove Insurance Agency representative can help you find the right amount of coverage for your needs.

What Types of Coverage Are Available?

Various coverages are available for motorcycles, including liability, comprehensive, collision, uninsured/underinsured motorist, and medical payments.

Liability insurance pays for injuries or damage you cause to others if you are at fault in an accident. Comprehensive insurance covers damages to your bike that are not caused by a collision, such as theft, fire, or vandalism. Collision coverage pays for repairs to your bike if you hit another vehicle or object.

Uninsured/underinsured motorist coverage pays for injuries and damages if the other driver is at fault and does not have insurance or if their insurance does not cover all the costs. Last, medical payments coverage pays for medical expenses incurred by an accident, even if you are not at fault.

What Should I Consider When Purchasing Motorcycle Insurance?

First, what is the value of your bike? You will want to have collision and comprehensive coverage if it is worth a lot. Second, how much liability coverage do you need? $25,000 may not be enough if you have a severe accident. Motorcycle insurance is a must if you want to be protected in the event of an accident.

It may seem daunting, but our team at Grove Insurance Agency is here to help you find the right coverage for your needs. Call us today!

Winter Rider? 5 Tips to Enjoy Your Motorcycle Year-Round

Considering becoming a ‘Rounder’ – someone who enjoys riding their motorcycle year-round? Here are five tips to make winter-time riding safer, more comfortable, and more enjoyable. 

1. Don’t dismiss comfort; it’s vital in rougher weather. 
Understand what winter looks like where you plan to ride. In Brownsburg, IN, expect snowfall and rainstorms, with winter chill dipping to the low 20s. Below freezing? Expect icy conditions, and prepare accordingly. Some gear to consider: 

  • Hands are vital. Protect them with suitable insulated, waterproof gloves that fit comfortably and leave room in the fingertips. Consider adding heated grips. 
  • Visibility is key. Wear bright colors and use a helmet breath deflector to prevent mist or condensation from interfering with visibility. 
  • Layer up. Make sure your jacket, pants, and boots are insulated, waterproof, and comfortable. Wear thick socks and give your winter boots more room than your summer pair. Keep air out by wrapping up your neck. 

2. Don’t Neglect Maintenance
In addition to topping off anti-freeze, ensuring your chain tension is good, oil levels are proper, and tires have adequate pressure, consider upgrading your tires for better winter grip. They are the two contact points for you on the road; don’t skimp on winter tires.

3. Brush Up On Winter Driving Skills
Before picking up a daily commute, get used to driving on colder roads. Get comfortable using your emergency brake, increase your distance following, and assume other drivers do not see you. 

4. Know When Not to Ride
Whether a novice or an old pro, understand your capacity on the roads. If a storm is pounding the roadway and there’s standing water, consider delaying your trip or driving a car. Likewise, black ice can be concealed beneath the snowpack. Don’t risk your life on a roadway you can’t safely navigate. 

5. Ensure Your Insurance is Adequate 
Before winter hits, reach out to Grove Insurance Agency today to discuss your motorcycle insurance coverage. While state law requires liability protections, winter riders should also consider adding comprehensive and collision coverage to cover their interests while on the road. 

4 Reasons You Need Motorcycle Insurance in Indiana

While riding a bike is fun-filled, it can be dangerous. Bikes are smaller compared to motor vehicles, making them less conspicuous to other motorists. The result? You are likely to be knocked over, and in the process, incur significant injuries. But because accidents aren’t 100 percent preventable, you need motorcycle insurance from Grove Insurance Agency of Brownsburg, IN for the below reasons.

Compliance with the law

Motorcycle insurance is mandatory in Indiana, and all riders must show proof of license before registering their motorcycle. The consequences of failing to carry motorcycle insurance are many, including fines and penalties. Besides, when you don’t have insurance, you have to pay damages and medical costs from your pocket following an accident.

Property damage coverage

If your bike is involved even in a minor accident, the damage can be significant. To this end, you need collision coverage to pay for repairs and even replacement of your bike following an accident. Additionally, theft of bikes is common given their small nature. Due to this vulnerability, comprehensive coverage becomes vital to protect your bike against non-collision perils like theft, vandalism, fire, hail, and other perils.

Medical bills coverage

When riding a bike, there isn’t much protection between you and the ground. Unlike vehicles fitted with safety features like airbags and seat belts, bikes aren’t that safe. Any accident, including minor ones, can result in significant injuries that are costly to treat.

However, when you have motorcycle insurance, medical bills from accident-related injuries are taken care of.

Liability protection

Regardless of how careful you are, you can still cause accidents resulting in property damage and bodily injury to third parties. In such unfortunate incidences, motorcycle insurance shields you from paying medical costs and property damages from your pocket.

Motorcycle insurance in Indiana

Do you need more information regarding motorcycle insurance? Please contact Grove Insurance Agency, and our agents in Brownsburg, IN will be more than happy to answer your queries. And if you are renewing or shopping for new motorcycle insurance, we are here to help.