By Maryl Joop


As a kid, I had an active imagination. I also liked action movies, which fueled my imaginative flame. I'm sure many of you can relate. Lying in bed at night or staring out the window on long drives, my mind would wander through all the disaster and destruction scenarios I'd read about or seen on TV or movies. What would I do? Survive, is what I'd do.

Protection from Physical Damages

Unlike other car insurance policies in Torrance, a motorcycle insurance policy is designed to cover five basic insurance needs for a biker. All of these forms of coverage are important to those who choose to ride their motorcycles and all aspects of coverage should be considered by those who are looking to insure their bikes in the future.

Protection from Liability

The second unique coverage of a standalone motorcycle insurance policy is insurance against damages to the bike itself. Closely tied is the third coverage, that of comprehensive or total loss coverage that will give insurance benefits to the subscriber in the event that the bike is totaled or replaced due to an accident.

A Kit for the House

If your business utilizes one or more vehicles, commercial car insurance will protect them in the event of a collision. However, commercial auto insurance is essential because of a factor that many business owners do not realize.

You may be asked to leave at a moment's notice and will need all your supplies packed up and ready to go. Check your home emergency kit every so often to make sure food and water stays fresh, batteries are still good, and medicine hasn't expired. If you do, you should be well prepared to leave at a moment's notice, or survive at home on what you have available.

By adding an endorsement to a current policy, a rider will insure their bike under the conditions of their auto insurance policy, which may not be sufficient in all cases. To make the best choice, a rider should consider how much the above coverage options of a standalone motorcycle insurance policy would help them and then make the decision to insure their motorcycle using one of the two options of a standalone policy or an endorsement attached to their current auto insurance.




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