2Wheeltips

Earlier this week I renewed my insurance policy. I decided to do it online and while I was waiting for the confirmation number, I decided to take a look at what my policy actually covered.  What I saw was confusing so I decided to call up the customer support line to get some details. What I was told was scary.

In a nutshell, I had the bare minimum coverage of 15k per person/30k per accident and 5k for property damage. I told the agent that I could kick a car and cause 5k worth of damage and that 15k would barely cover a broken arm. I asked what happened to the larger amounts I had in the past? I was told that last year that if you didn't specifically request the same amounts, you were given the lower coverage by default! Ummm......interesting. I told the agent that I definitely needed more coverage (50k per person/100k per accident/50k per car/bike/etc) and asked how much would it cost? What I heard shocked me.....it will cost $20 more per bike!!

Of course I got the coverage but was upset that I rode around for a year with basically no coverage at all. I'm sure the "notice" was on the back page in small print somewhere. I'm writing this as a warning....make sure you check not just your bike.....but your insurance as well. You never know what you may find. Check your insurance.