Motorcycles are fun to ride and to own. In fact, they can be a passion for some people. Despite all of the excitement and enjoyment that motorcycles bring, the vehicles come with numerous risks. These risks must be mitigated if motorcycle owners are to avoid paying large out-of-pocket costs that can result from unexpected incidents. At Barnette and Coates we know motorcycles and we know motorcycling well, and we can mitigate the risks that these vehicles and using these vehicles come with. We mitigate risks through comprehensive insurance plans, and we can create a plan that fits you best. This plan will protect you completely for the right price.
Motorcycle insurance contains general coverages that apply to almost any motorcycle owner and it contains other coverages that apply to only a few motorcycle owners. It’s never one-size-fits-all, and it’s important that motorcycle insurance is unique to each policyholder; that’s why we tailor each insurance plan to the plan’s owner.
We go over every factor that influences coverage so that each policy is complete. One factor that influences every motorcyclist is state law. For example, North Carolina requires each rider to have specific coverage minimums. These minimum amounts are $30k for personal injury per incident, per person; $60k for personal injury total per incident; and $25k for property damage per incident. These amounts are easy to have as they are inexpensive. We urge clients to purchase coverage that is greater than these amounts however, because these amounts to do not provide much protection and more complete coverage is often not much more expensive than minimum coverage.
The coverage options available to you include:
Our coverages are from numerous different carriers, with which we have extensive relationships. These relationships ensure that our coverage options are diverse and that our coverage plans are flexible. We will help you compare coverages, plans, and rates so that you find the right solution.
Our agents have insured motorcyclists and motorcycles for many years and as a result know how to ensure that each motorcycle insurance policyholder is completely secure for the right amount of costs. Our agents will work with you to understand your needs, explain your options, and create the right policy.
We’re more than insurers however, and we will help you reduce risks and will support you. We manage risk by helping you employ best practices; this reduces the number of exposures you face and diminishes the likelihood that exposures translate into damages. We manage claims by advocating for you and helping you achieve suitable resolutions, if and when claims are filed.
Barnette and Coates is proud to provide motorcycle insurance in Hendersonville, Asheville, Fletcher, Saluda, Weaverville, and Leicester, NC. We also serve other areas in the state and we serve South Carolina as well.