New Hampshire / Maine Motorcycle / ATV / Segway / and Golf Cart Insurance
Your bike is unique...one of a kind. You've spent lots of time and lots of money to make sure that's true.We at Brownell Insurance Center can tailor our motorcycle insurance coverages to fit each of our customers' unique needs based on what they ride and how they ride it.
Explanation of coverages:
Accessory coverage is for those items which are not included as standard by the manufacturer of the motorcycle and that were added onto the motorcycle. These can include but are not limited to: fairings, windshield, luggage rack, sissy bar, safety guards, highway pegs, crash/roll bar, custom seat, chrome light bars, radios and CBs.
Accessory packages ranging from $500 to $10,000 are available.
The accessory coverage cannot be more than 50% of the motorcycle's current market value. In cases where the motorcycle is customized beyond that, agreed value coverage may be an option (Motorcycle will need to be appraised and insurance company and insured will need to agreed to a value for the extra equipment and the bike.)
Agreed Value Coverage
This coverage "locks" in the value of your motorcycle at an agreed settlement price with the exception of depreciation of tires, batteries and engine parts. In the event of a total loss, the insurance company will pay the agreed value if they can not replace the motorcycle with like kind and quality. An appraisal and photographs must be forwarded to Brownell Insurance Center for review before this coverage will be added to a new or existing policy.
Bodily Injury Liability
This coverage provides protection on your behalf to someone to whom you become legally liable due to a motorcycle accident which causes injury, sickness or death. Collision
This coverage provides protection against loss caused by collision or upset to your motorcycle. Deductible options: $250, $500 or $1000.
This coverage provides protection for your motorcycle for damage which occurs as a result of loss other than collision. This would include occurrences such as fire, theft, vandalism or hitting a deer. Deductible options: $100, $250, $500 or $1000.
This coverage provides excess medical payments coverage (after any other medical coverage) for any operator or passenger, regardless of fault, subject to the coverage limit.
This coverage provides protection to a passenger who is not an insured if you become legally liable to the passenger due to an accident.
Property Damage Liability
This coverage provides protection for other persons' property if you become legally liable for the damage while operating the insured motorcycle.
Uninsured/Underinsured Motorist Bodily Injury Coverages
This coverage provides protection for your injuries or death if you are involved in an accident with a motorist that has either no insurance or insufficient coverage and the other party is considered at fault.
This coverage will help with roadside assistance if you break down or your bike will not start.
For more information or to receive a quote, fill out our Motorcycle Insurance Quote Form.