Category: Motorcycle Insurance

Mississippi law requires motorcycle operators to prove they can meet the minimum property and bodily injury liability requirements. Having an appropriate insurance policy is the most common form of proof. However, violating specific exclusions stated in your policy may invalidate your policy, so it is crucial to understand your policy exclusions. If you live in or near Byram, MS, and want to under your policy exclusions or have other insurance questions, the Riverside Insurance Agency Inc. is here to help.

Common Motorcycle Insurance Exclusions

Every motorcycle insurance policy includes language that excludes or invalidates your coverage in certain situations. That means you will not be covered for accidents that occur when you do not operate your motorcycle safely or when using unsafe equipment because they increase the likelihood of causing an accident and its severity.

Each policy is different, so you should review your individual coverage, but standard exclusions include participating in an organized race or riding:

• Recklessly or while intentionally damaging property
• With the intent of hurting yourself or others
• While committing a crime
• Under the influence of alcohol or a controlled substance
• While delivering products or transporting passengers for hire

Coverage is also invalidated when you lend your motorcycle to someone not named in your policy.

Every policy details these exclusions, so you should review them with your agent to ensure you understand each exclusion. In some cases, such as using your motorcycle to make deliveries, you can obtain a commercial vehicle policy that covers you in those situations.

Working With Riverside Insurance Agency Inc.

The Riverside Insurance Agency Inc. serves the Byram, MS, area. If you live nearby and need a motorcycle or other insurance, our friendly team is ready to help you. Please stop by or call us today at 601-371-8355.

Riding a motorcycle is a liberating and exhilarating experience, but it can also be dangerous. That’s why it’s so important to wear a helmet here in the Byram, MS area or whenever you hop on a bike. Here at Riverside Insurance Agency Inc., we believe helmets are an essential safety item for all motorcyclists, providing crucial protection in the event of an accident or crash. 

Helmets reduce the risk of serious injury and death by protecting your head from impact. They also decrease the chances of lacerations and abrasions to your face and neck. In addition, helmets shield riders from flying debris like bugs and pebbles that can cause pain or distraction while driving at high speeds. 

The best way to stay safe while riding is to wear the right gear, including a quality helmet that fits comfortably and securely. Make sure it meets safety standards set by organizations like DOT (U.S.), ECE (Europe), or SNELL (global). Look for helmets with updated technology such as adjustable air vents, advanced shock absorbers, impact-resistant shells, and padded liners for added comfort. 

No matter where you’re riding, wearing a helmet should always be a priority—it’s essential for keeping you safe on the road. Don’t take any chances when it comes to your safety; always wear a helmet when riding your motorcycle!

Reach Out To Us

For more tips on how to stay safe on your motorcycle, or if you have any questions about your motorcycle insurance policy, give us at Riverside Insurance Agency Inc a call today. We are proud to serve the Byram, MS area and would be happy to help you find a policy that suits your needs and your budget.

Riding a motorcycle is a fun and thrilling activity. Like other transportation machines, motorcycles must be insured. Motorcyclists in Byram, MS, can obtain insurance from Riverside Insurance Agency Inc. Before you visit the insurer, here’s a guide to motorcycle insurance.

Motorcycle Insurance is Mandatory in Mississippi

Motorcycle insurance is compulsory in the Magnolia State, and you must provide proof of insurance before registering your bike. The repercussions of being an uninsured motorcyclist can be dire. You can receive various punishments, including fines, a short jail term, and license suspension. Another danger of not having motorcycle insurance in Mississippi is you will be forced to use your pocket money to cover injuries, repairs, and replacements if you are involved in an accident.

Motorcycle Insurance Options

There are numerous motorcycle cover options that motorcyclists in Mississippi can buy. Comprehensive insurance is the most common insurance option, which covers damages attributed to incidents other than accidents like theft and vandalism. The personal injury protection option covers medical expenses, childcare, and lost wages following an accident.

Additionally, bodily injury liability cover caters to medical bills and lost income caused to another person by your motorcycle. Property damage coverage pays for damages caused to a third-party property when you are at fault. Although all motorcycle insurance options have their merits, the comprehensive insurance option is the best because it covers everything.

Add-On Insurance Options

Insurance add-ons are optional. One add-on option is roadside assistance which enables your insurer to cover any service you may need on the road, like towing and puncture repair. Another add-on is mechanical breakdown insurance which covers abrupt mechanical failure after an expired warranty.

Takeaway

This guide gives you a sneak peek of motorcycle insurance. Book an appointment with Riverside Insurance Agency Inc. in Byram, MS, to acquire a suitable insurance cover for your motorcycle.