Get Insurance Quotes Today!

Anthony Lancaster Insurance, Inc Blog

New Motorcycle? Three Questions to Ask Your Insurance Agent

So you’ve just bought a new motorcycle! Congratulations! Now, it’s time to contact your insurance agent and make sure you’re fully protected. But what questions should you ask? Anthony Lancaster Insurance Inc in Memphis, TN can provide you with guidance on this much-needed insurance coverage.

Here are three important questions to ask:

What Type of Coverage Do I Need?

The first question you should ask your insurance agent is what type of coverage you need. There are numerous types of motorcycle insurance, and the one you need will depend on the type of motorcycle you have, where you live, and how often you ride.

For example, if you have a newer motorcycle, you’ll probably want to get collision and comprehensive coverage, which will protect your bike if it’s damaged in an accident or stolen.

Likewise, if you live in a state that requires motorcycle insurance, you’ll need to get at least liability coverage, which will cover damages if you’re at fault in an accident.

I’m I Eligible for Any Discounts Available?

The second question you should ask is whether you’re eligible for any discounts. Many insurance companies offer discounts for things like taking a motorcycle safety course, insuring multiple bikes, or having a clean driving record.

Some companies also offer discounts if you buy other types of insurance from them, such as homeowner’s or renter’s insurance. So it’s always worth asking if you could save money by bundling your policies.

What’s the Process for Making a Claim?

The third question you should ask is what the process is for making a claim. This is important because you need to know what to do if you ever have to file a claim.

Your insurance agent should be able to walk you through the process step-by-step so that you know what to do if you ever need to use your insurance.

Get Your New Motorcycle Insured Today

Asking these three questions ensure that you have the right motorcycle insurance for your needs. So don’t forget to ask them when you contact an agent.

And if you’re looking for motorcycle insurance, Anthony Lancaster Insurance Inc in Memphis, TN is here to help. Give us a call today, and we’ll be happy to give you a quote.

5 Common motorcycle insurance claims in Memphis, TN

Hitting the open road on a motorcycle brings endless freedom. But it can also bring risk.

Unfortunately, accidents happen. Prevention is the best way to keep yourself safe on the roadways.

In addition to providing insurance coverage, Anthony Lancaster Insurance Inc helps you avoid any accidents by identifying five of the most common motorcycle insurance claims.

Excessive speed

Motorcycles reach high speeds quickly. As a result, reckless driving is a leading cause of motorcycle-related fatalities. Don’t leave home without wearing a helmet and other safety gear. Also, minimize unnecessary risk by obeying all posted speed limits.

Debris on road

Excessive speed can also make avoiding obstacles difficult. Unexpected debris that has fallen can lead to serious damage, if unnoticed. Anthony Lancaster Insurance Inc reminds you to stay alert and vigilant.

Distracted Driving

Driving is more dangerous when you are distracted by radios, cell phones, and other electronics. This applies to everyone, not just motorcycle riders. Car drivers must be engaged to spot approaching motorcycles. This is the cause of many insurance claims.

Poor Weather Conditions

As diligent as you may be, you can’t control everything. Fog, heavy rain and high winds will greatly reduce visibility. During inclement weather, even the smallest error or distraction can be costly.

Improper Lane Switching 

The single most common insurance claim is accidents at intersections. More specifically, improper left-hand turns are the leading culprit. Lane splitting is an issue too. This occurs when a motorcycle rider attempts to drive between two lanes to avoid traffic.

Find an agent serving Memphis, TN

Any accident can be fatal, but motorcycle crashes are especially dangerous. Because of this, motorcycle insurance is important. Located in Memphis, TN, Anthony Lancaster Insurance Inc can ensure you and your assets are protected. Call and schedule an appointment today.

Must Know Motorcycle Road Safety Tips

Riding a motorcycle is rather dangerous, at least compared to driving a car. That said, with proper diligence and practice, you can greatly reduce the risk of suffering an accident. We’re going to cover some tips for increasing safety that every motorcycle driver should consider.

If you do own a bike, you should get the right motorcycle insurance plan. If an accident occurs, even if it’s no fault of your own, you may be facing some hefty bills.

Get in touch with Anthony Lancaster Insurance Inc, serving the greater Memphis, TN area, if you have any concerns.

Tips For Increasing Safety While Riding Motorcycles

First, you need to make sure you’re wearing the proper gear when you ride a motorcycle. Every motorcycle rider should wear a helmet. If you get in an accident and you aren’t wearing a helmet, the risk of a serious injury increases. Riding suits are often wise as well and could protect you from road rash.

Weather can have a huge effect on your riding. If you ride in the rain, the risk of wiping out may increase greatly. Strong winds too could knock you off. So before you suit up, make sure you check your favorite weather app.

Situational awareness is vital for motorcycle riders. Often, motorcycle riders aren’t the ones causing accidents. Instead, people who are texting and driving, or otherwise not paying attention, may hit you or cut you off. Great situational awareness may greatly reduce risks.

You also need to pay close attention to your bike and should make sure it’s well-maintained. If the brakes wear out or tires are losing their grip, it could cause an accident.

Make sure you speak with an insurance agent about motorcycle insurance. You’ll want liability coverage in case someone else gets hurt. High coverage to cover any medical bills resulting from a crash is wise. Protecting your property is important too.

Contact Anthony Lancaster Insurance Inc, which serves the greater Memphis, TN area to learn more about motorcycle insurance.

Motorcycle Insurance Requirements

In Tennessee, residents aged 16 years and above can operate a motorcycle. It’s crucial to get motorcycle insurance before hitting the road. The right insurance will protect you and other road users. 

If you’re in Memphis, TN, check out Antony Lancaster Insurance Inc. for your motorcycle insurance. You might want to know more about this insurance to guide you through making a purchase. 

Here are some motorcycle insurance requirements that you should know. 

Bodily Injury Liability Insurance 

If you’re the at-fault party in a car accident, you’ll be liable for the other person’s injury. The state requires you to have bodily injury liability insurance to cover their medical expenses and any lost income resulting from the injuries. 

Property Damage Liability

Property damage insurance is a requirement for motorcycle insurance in Tennessee. It covers the financial liability when one gets into an accident leading to someone’s else property damage. Some things covered under this insurance include:

  • Repairs for the other party’s vehicle 
  • Fixing destruction caused on other businesses, fences, houses, and mailboxes, among other damaged property
  • Legal fees
  • Recurring expenses from the damage

Multiple Fatality Coverage 

The coverage limits for multiple fatalities are often double the coverage for one person. It would help to seek clarity from your insurer to know more about single liability coverage and multiple liabilities. 

Motorcycle insurance has several coverage options to protect you and other road users. While bodily injury and property damage are a priority, consider comprehensive coverage to address your motorcycle’s damage resulting from vandalism or theft. 

Anthony Lancaster Insurance Inc. in Memphis, TN has some of the market’s leading motorcycle insurance options. Contact us today to learn more about our motorcycle coverage and get insight into how it can benefit you.

  • Grange Insurance
  • Liberty Mutual
  • Nationwide
  • Progressive
  • Safeco
  • State Auto
  • Stillwater
  • The Hartford
  • Travelers