汽车pp王者电子官网包括摩托车吗?
摩托车pp王者电子官网 differs from auto and homeowners insurance, so what questions should be asked?
摩托车一般不在您的pp王者电子官网范围内 汽车pp王者电子官网 or 房主政策. Typically, 摩托车有pp王者电子官网 他们有自己的政策. 根据ValuePenguin, motorcycle coverage costs almost the same as 汽车pp王者电子官网 with the average 摩托车pp王者电子官网每月60美元 and 每月58美元的汽车pp王者电子官网费.
Why are motorcycles not covered by your auto or home insurance policy?
摩托车pp王者电子官网的存在是因为, 和其他机动车辆一样, 摩托车有其自身的风险, and those risks include injuries to the rider and damages to the bike. Being a safe rider 可以帮助最小化这些风险吗. Unfortunately, injuries are usually greater with a motorcycle in the event of a crash. Even with a helmet or riding gear, your body is not protected on a motorcycle like it is in a car. Plus, at the speeds you are traveling, motorcycles tend to be more heavily damaged in accidents. 此外,如果你是 与乘客同行你们俩都有可能受伤,可能很严重.
Generally, motorcycles are less expensive to purchase and repairs are not as costly as repairs for a car. However, 仍然有各种各样的因素与不同的模式, purchase price and repair expenses that will play a part in determining insurance costs.
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Due to costs associated with medical treatment and motorcycle repairs, 摩托车pp王者电子官网值得你考虑一下. When reviewing insurance policies, there are some important questions to consider.
What questions should I ask about a 摩托车pp王者电子官网 policy?
- 如果我受伤了,我有pp王者电子官网吗? Some basic insurance policies might not cover you if you are injured. 在考虑成本和pp王者电子官网范围时, think about what you’d be expected to pay out of pocket if you’re involved in a crash.
- 是否需要投保碰撞险?? Some states may not require collision coverage for a motorcycle like they do with 汽车pp王者电子官网. However, if there is a lienholder, collision coverage may be needed.
- 摩托车pp王者电子官网包括其他骑手吗? 有些pp王者电子官网政策可能不包括乘客. Since motorcycles are generally considered single rider vehicles, it’s a good idea to ask about passenger coverage when purchasing a policy.
- 我的个人装备是否受到保护? Often, protective equipment such as a helmet is covered under your 摩托车pp王者电子官网 policy. But, 如果你旅行时在鞍包里装了其他物品, 比如电脑, you’ll want to verify if they’re covered by your 摩托车pp王者电子官网 policy or your 房主政策.
- 我的摩托车在“淡季”有pp王者电子官网吗?? In many states, motorcycles are ridden for only part of the year. Some insurance companies may only insure your bike for what they consider the riding season to get you a lower rate. You might need year-round coverage to ensure your bike is protected against theft and accidents while it is being stored.
- 它是否包括与我的汽车pp王者电子官网类似的pp王者电子官网范围? 确保你回顾了包含的内容 综合、碰撞和责任 在你的摩托车pp王者电子官网单上. These coverages are common with auto and 摩托车pp王者电子官网 but there may be differences you should ask about, and some of these might be optional under your 摩托车pp王者电子官网.
在购买摩托车之前要考虑什么
考虑一辆摩托车? Before you purchase one, there are some things you might want to consider.
- 你打算去哪里学骑摩托车? Your driver’s education course in high school probably didn’t teach you about riding a motorcycle and your friend might not be too willing to let you learn with theirs.
- 你需要许可证吗? Many states require a specific driver’s license to operate a motorcycle.
- 你需要头盔吗? 并不是所有的州都要求佩戴 helmet,但当安全是一个目标时,最好有一个.
- 你想要什么样的摩托车? There is a wide variety out there based on how you want to ride, 从运动自行车到旅游和巡洋舰自行车, and the 摩托车的评级都不一样 pp王者电子官网公司.
- 最后,还有 摩托车pp王者电子官网.
In all, 摩托车pp王者电子官网 is not much different than your 汽车pp王者电子官网. Companies offer different levels of deductibles and liability coverage, additional services like roadside assistance and ways of saving like telematics to help you find a price that works within your budget. It’s important to understand the factors that might determine your motorcycle premiums. 同样重要的是 和pp王者电子官网代理人谈谈 充分了解有哪些pp王者电子官网项目.