Will Motorcycle Insurance Cover Custom Paint Claims?

The only thing better than having your dream motorcycle is having one that's custom painted to match your personality. In some cases, a custom paint job can add a great deal of value to your bike and it can make it even more exciting and interesting to drive. But, what happens when you are involved in an accident? How will you recoup the losses based on that custom paint work? You might be surprised that some of these losses could be covered under your motorcycle insurance policy.

What Custom Work is Protected?

Most of the time, basic motorcycle insurance plans can cover some custom elements. That said, it's a good idea to invest in a custom parts and equipment endorsement or add-on policy, as this coverage can help to ensure all of your custom items are protected on your bike. Covered items might include your specialty paint work, as well as alarm systems, extra chrome, pistons, lowering kits and even sidecars.

The goal of a custom parts endorsement is to protect those items that add value to your bike. Therefore, it's a good idea to tell your agent which custom parts or features you have to ensure they're specifically covered under this policy.

When Are You Protected?

Your motorcycle insurance policy will likely offer a payout so you can refurbish or repair custom items (including paint jobs) whenever your bike is involved in a covered incident and a claim is file. For example, if you are in a collision that damages your paint job, and that collision is protected under your policy, the custom paint repairs are a part of the claim. However, most policies do not provide financial compensation to you if the paint is damaged through normal wear and tear. That is usually a situation that will require out of pocket payment.

Motorcycle insurance can help with many types of custom items, especially when a custom parts and equipment endorsement is added to your coverage. However, these policies may not cover intercom kits and headsets, tires or radar detectors. For most other additions, talk to your insurer to see if you can gain the coverage you need for your motorcycle.

Get the coverage you need. Call Raymond Longoria Insurance at (888) 296-0345 for a free Mission TX motorcycle insurance quote.

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