| What if I told you that if you were to get in an | | | | not included on the manufacturer's list of |
| accident on that ride, the motorcycle accessories | | | | specifications. In addition, do not overlook your riding |
| might not be covered on your motorcycle insurance | | | | equipment - leather gear, helmet, boots, and goggles. |
| policy? All insurance companies may view accessories | | | | These are ordinary objects which most of the people |
| in a different way, but a good, generic definition of a | | | | forget to inventory and given their cost you want to |
| motorcycle is something which not on the bike when | | | | ensure that they are covered. |
| it came out of factory. Insurance companies deem | | | | Once you complete the list, you will have a clear |
| your motorcycle's garnishes separate from the bike | | | | picture of your motorcycle's accessories and be |
| itself and, as a consequence, cover them | | | | prepared to move to the next level. Make another |
| independently from the motorcycle. While considering | | | | column next to your list of accessories titled "value". |
| the claim, accessory coverage is all that will be used | | | | Now, take a look at various web sites, stores, or |
| for paying for the accessories of your bike. That | | | | purchase receipts for determining the value of each |
| means you might find yourself submitting a claim and | | | | accessory. |
| hearing the response that they will not pay above a | | | | An "Agreed Value Policy" is in fact the same |
| certain rate. | | | | insurance policy with a different settlement option for |
| Many insurance companies will include some amount | | | | the physical damage coverage of Comprehensive and |
| of coverage for motorcycle accessories with the | | | | Collision. With Agreed Value settlement type, the |
| base policy, but as you will see it's very easy to | | | | insurance company and the insured equally consent |
| surpass that included amount. Hence, it is vital to | | | | for the cost of the insured bike. That value is the |
| know how much accessory protection you require | | | | amount paid during a total loss, without deduction |
| and to ensure your policy will reflect the right total. | | | | against depreciation excluding the tires, batteries, and |
| Here are five tips to ensure your motorcycle | | | | engine parts. Companies may ask for an appraisal and |
| accessories are properly covered. | | | | photographs to determine the insured value. |
| Don't assume that simply because something | | | | Now since you are aware of the value of accessories |
| was on your bike while purchasing it as a stock item. | | | | on your motorcycle, take a look at your motorcycle |
| The dealer or the earlier owner could have added | | | | insurance policy. Listed in your policy you will find the |
| aftermarket items to the bike which could be | | | | amount of accessory coverage which you currently |
| considered accessories by your insurance coverage. | | | | have. Balance that to the price you figured for your |
| Your best bet is to find out the specifications of | | | | bike's garnishes. Does the sum of coverage equal to |
| the motorcycle from the website of the | | | | or more than the cost of your motorcycle's |
| manufacturer or catalog so that you know what was | | | | accessories? If not, you should contact your insurer |
| on the bike when it came out of the factory. | | | | for increasing your accessory coverage. |
| Then, make a list of anything you find which was | | | | |