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Can I Get Accessories Coverage for a Motorcycle?

Dec 3, 2019 Brown Moore & Associates

Many people in North Carolina own and ride motorcycles. We also have many motorcycle enthusiasts who enjoy customizing their bikes. If you regularly upgrade and customize your motorcycle, you may wonder if you can get these customizations covered by insurance. At Brown, Moore & Associates, PLLC, we want to help ensure you get the coverage you need. Today, our Charlotte motorcycle accident attorneys want to help you determine whether you can get insurance for accessories for a motorcycle.

What is the minimum insurance required for motorcyclists?

Even the safest motorcycle riders have to be worried about careless or negligent drivers hitting them. The latest year of data from the NC Department of Transportation shows us that there were 3,722 motorcycle crashes. These incidents led to:

  • 145 fatal crashes
  • 2,991 injury crashes

Even accidents that result in only minor injuries or no injuries at all can lead to significant property damage.

In North Carolina, the minimum insurance requirements for motorcycles are:

  • $30,000 bodily injury per person
  • $60,000 bodily injury per incident
  • $25,000 property damage per incident

Are custom motorcycle parts covered by this insurance?

Typically, the minimum motorcycle insurance will not cover custom motorcycle parts or accessories. Some policies offer limited coverage for custom parts in their basic policies, but this is usually limited to very low dollar amounts (around $1,000 to $3,000). If you have customized your motorcycle, then you know that it is easy to spend upwards of $10,000 or more to get your bike just right. You certainly do not want all of that work and money to disappear if an accident occurs.

The good news is that you can purchase additional coverage for custom motorcycle parts and accessories. You should first look at your insurer’s comprehensive coverage policies. These policies typically have much higher limits to what they payout for injuries and property damage. They also typically cover custom parts and accessories you have added to the motorcycle.

There are also several insurance companies on the market that focus entirely on covering aftermarket parts for your motorcycle in the event you get into a crash. Custom insurance will cover everything you have added to your bike, including performance enhancements, visual enhancements, electronics, and more.

Custom parts and equipment coverage typically do not have a deductible. However, you will still have to pay the deductible on your collision or comprehensive coverage claim for the accident.

We are ready to help you get through this

If you have been involved in a motorcycle accident and have questions about what type of coverage you are entitled to, please seek legal assistance. At Brown, Moore & Associates, PLLC, our knowledgeable and experienced team is ready to answer your questions. Whether you are dealing with injuries or property damage, we can offer an assessment of your case and determine your best path forward. When you need a Charlotte motorcycle accident attorney, you can contact us for a free consultation by clicking here or calling us at 704-335-1500.