Preparing Your Bike for Spring: Insurance Considerations

As the weather warms up in Missouri, many motorcycle riders are eager to get their bikes back on the road. While spring prep often focuses on mechanical checks and gear, reviewing your motorcycle insurance is just as important. Crawford-Butz & Associates Insurance Agency can help you keep your coverage up to date and aligned with your needs.

Why Review Your Motorcycle Insurance Before Spring?

Spring is a good time to revisit your motorcycle insurance. Over the winter, your riding habits, bike value or insurance needs may have changed. A seasonal review can help you:

• Confirm you meet any required minimum liability limits
• Adjust coverage if you’ve upgraded or modified your bike
• Add or update comprehensive and collision coverage
• Check that accessory coverage matches any new gear or custom parts

Coverage Options for Riders

Standard motorcycle insurance policies typically include the following:

• Liability coverage can help cover bodily injury or property damage you may cause to others in an accident.
• Collision coverage may compensate for the cost of repairing your motorcycle if you’re involved in a covered crash, regardless of fault.
• Comprehensive coverage can cover your motorcycle against noncollision losses such as theft, vandalism or certain weatherrelated damage.
• Uninsured/underinsured motorist coverage may apply if you are hit by a driver who does not carry insurance or does not have enough coverage.
• Accessory coverage can help account for custom parts or accessories by making sure your policy reflects their current value.

Tips for a Safe and Insured Spring Ride

Keep these tips in mind as you head out:

• Schedule a policy review to discuss any changes in your riding habits or bike details.
• Update your insurance documents and keep proof of coverage with you.
• Consider additional options, such as roadside assistance or medical payments coverage.

Get Started

Contact Crawford-Butz & Associates Insurance Agency today to request a free custom quote.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.