You’ve got a lot riding between two wheels. We don’t have to remind of the risks of owning and riding a motorcycle – you already know. Protect yourself and your bike against the unexpected with coverage tailored just for you from Strobel Insurance. As a local independent agency, we help Eau Claire area riders find motorcycle insurance that minimizes risk exposures and provides compensation for a wide range of loss, from injury and damage to third-party liability. Let us help you build a policy fitted to your needs so you can enjoy the hum of your motorcycle the way you are supposed to – worry-free.
Wisconsin Motorcycle Insurance Requirements
Riders in Wisconsin are held to high standards for riding. Not only will you need to get an endorsement to ride a motorcycle in the state, but you must meet the state’s insurance coverage requirements, too. This includes coverage for third-party bodily injuries and property damages for which you are at fault. However, the state’s minimum coverage limits may be too low to adequately protect you against the financial consequences of an accident. Not only might these limits be too low to spare you the effects of an expensive lawsuit, but they also do not protect you against your own losses if your motorcycle is damaged or you are injured in a collision.
At Strobel Insurance, we can help you maintain compliance with state coverage requirements, as well as build out your policy to included additional protections with minimal coverage gaps. This includes important off-season protections, too, such as comprehensive coverage that protects your motorcycle against falling objects, fire, and theft.
Insurance for Most Motorcycles in Wisconsin
No matter what you ride, chances are we can help you get insured. We offer coverage for Harleys, Choppers, street bikes, sportbikes, cruisers, trikes, and much more. Your policy may include coverage for:
When riders make mistakes, accidents can happen. If you cause a collision, you may be responsible for paying for the victim’s loss-related expenses, including bodily injury and property damage costs. Motorcycle liability insurance helps cover your financial responsibility for an accident (up to the limits of your coverage). It can also help you pay the bill for legal fees and court costs if you are sued. Work closely with your independent agent to determine how much liability insurance may be right for you, as low-limit coverage could put you at risk of major out-of-pocket losses in the event of an accident.
You could spend big bucks repairing or replacing your motorcycle after a collision, or you could rely on your insurance to pick up the tab instead. Collision and comprehensive coverages help compensate your for covered damages to your ride, whether due to an accident, layover, or some other event, such as theft or fire. You may be responsible for paying a deductible toward the cost of your claim, but the insurance company can cover the rest of the damages, potentially sparing you thousands of dollars in out-of-pocket costs.
Many riders opt to upgrade their rides with extra enhancements and after-market accessories. Protect your special equipment and unique parts with coverage that extends to those items. This ensures you are compensated for the loss of your bike’s full value – not just its value based on its factory structure.
It matters where your parts come from. If you need your bike restored after an accident, and OEM parts endorsement can ensure you get original equipment manufactured parts whenever available – not generic, off-brand parts that are commonly used in body shops.
Wisconsin No-Fault Insurance (PIP)
This coverage provides coverage for personal injuries sustained in a motorcycle accident, regardless of fault. It can help pay for medical bills, travel to and from medical appointments, lost wages, and more – up to the limits of your coverage.
Uninsured/Underinsured Motorist (UM/UIM)
Don’t take risks when it comes to your safety. Include uninsured motorist and underinsured motorist coverages on your policy to protect yourself against injury-related losses when you are hurt by an uninsured or underinsured motorist. This coverage can provide extended protection beyond your no-fault coverage when necessary.
Towing and Assistance
When you leave out on your motorcycle, you usually plan to return on it. If things go wrong on the open road, make sure you are covered for towing and roadside assistance. Many insurers offer 24-hour benefits for flat tires, fuel delivery, and more. Talk to your agent for more information and to find out if this coverage is available for your policy.
If your motorcycle is your only means of transportation, make sure you are covered for the cost of renting a vehicle in the event your motorcycle needs to be repaired after an accident.
Wisconsin Motorcycle Insurance Quotes
If you own one or more motorcycles in the greater Eau Claire area, we want to be your go-to source for insurance coverage. At Strobel Insurance, we can help you find competitive rates on the coverage you need and search for valuable discounts that can help you maximize your savings. Examples include discounts for:
- Insuring multiple vehicles and motorcycles
- Purchasing multiple lines of insurance from the same carrier
- Completing an approved motorcycle safety course
- Choosing a high deductible
- Joining a rider’s association
- And more