Category: Motorcycle Insurance

If you own a motorcycle in the Sioux City, IA, area, you are likely aware that riding all year round is challenging due to the winter weather, which makes roads icy and dangerous. However, the fact that your bike is parked and stored during harsh weather conditions doesn’t mean you should skip insurance. Heimgartner Insurance, Inc. can answer your motorcycle insurance queries and help give you peace of mind.

Keeping your bike insured, even when not in use, can protect you from other losses, such as theft. The kind of coverage you have for your motorcycle is vital. That’s why it’s important to work with one of our trusted agents who can provide quotes from multiple insurers, making it convenient for you to explore your options and make an informed decision.

If you have any questions regarding a specific policy, we are more than happy to answer them and adjust your policy as necessary. Some policies offer reduced or different types of coverage for a motorcycle in storage, which could be a suitable option if you don’t ride for several months in a year. Regardless of what you choose, it’s crucial that your bike is adequately protected.

Do reach out to us today at Heimgartner Insurance, Inc., if you live in the Sioux City, IA, area and are looking for a motorcycle insurance policy. Our dedicated agents are ready to assist you in securing what best suits your needs and lifestyle, ensuring you are comfortable with the coverage you select.

Iowa asks that all motorcyclists provide proof of financial responsibility following an accident instead of before one. Iowa is an "at fault" state, which means that if you cause an accident, your insurance will pay the other party. However, you will be required to provide proof of financial responsibility. 

What Proof?

Heimgartner Insurance Inc in Sioux City, IA can help you keep track of the proof you’ll need:

    • Cash or a cashier’s check made out to the Office of Driver’s Services,

    • Releases from the parties in the accident,

    • The result of a civil suit relieving you of responsibility in the accident,

    • The filing of an agreement to pay for the damages by installment plan,

and many more. You should also know these things about motorcycle insurance.

The Circumstances

Drivers might be asked to provide proof of financial responsibility if:

    • they are operating a vehicle while under the influence of drink or drugs,

    • their license has been suspended,

    • the driver is a habitual offender,

    • the driver has multiple out-of-state moving violations.

What Else Should You Know About Iowa Motorcycle Insurance?

The statute of limitations on bodily injury from a motorcycle accident is two years. Medical experience proves that an injury doesn’t show up immediately, and both insurance and the law take that into account.

Some bikers are the victims of hit-and-run motorists. Since these are clearly at-fault drivers, the motorcyclist’s injuries are covered under their uninsured motorist coverage.

An interesting aside is that a lay-up policy covers a bike that’s parked in the garage during winter weather when it’s unsafe to ride. It drops coverage to just comprehensive and is thus cheaper.

We Are Here To Help

Motorcycle insurance is a bit more involved than simple car insurance. Heimgartner Insurance Inc in Sioux City, IA will walk you through it when you call or drop in to ask about it.

Heimgartner Insurance Inc has been serving the Sioux City, IA area riders with coverage for their motorcycles. There are some common factors that we come across, one of which is the issue of wearing a helmet.

Motorcycle helmets are an important piece of safety equipment for anyone who rides a motorcycle. This is because they protect your head from serious injuries in the event of a crash or collision.

Wearing a helmet is essential for keeping you and other drivers on the road safe.

There are two main types of motorcycle helmets: full-face helmets and half helmets. Each type comes with its own set of advantages and disadvantages, so it is important to consider which one best suits your needs before making a purchase.

Full-face helmets provide more protection than their half-helmet counterparts due to their full-face covering. Not only do they protect your head, but also your face and jaw in the event of an accident. Full-face helmets also help keep out wind, noise, and insects when riding. However, these helmets can cause some riders to feel claustrophobic and uncomfortable when worn for long periods of time.

Half-helmets provide less protection than full-face helmets, but they are generally lighter in weight and more comfortable to wear. They also allow the rider to wear goggles or sunglasses to protect their eyes from wind, bugs, and debris—a feature that is not available with full-face helmets. However, half-helmets do not offer as much protection as full-face helmets in the event of a collision or crash.

Ultimately, whether you choose a full-face helmet or a half-helmet comes down to your own personal preference and riding style. However, it is important that you always wear some type of helmet when riding a motorcycle in order to keep yourself and others safe on the road.

Make Sure To Carry Motorcycle Insurance

For more safe riding tips, call Heimgartner Insurance Inc today. We proudly serve the Sioux City, IA area. 

Motorcycle ownership can be exciting. There is, however, a heavy responsibility that comes along with bike ownership as well. Motorcycles can be dangerous vehicles if they are not used correctly and covered with the appropriate insurance. At Heimgartner Insurance Inc, serving the Sioux City, IA community, you can find the information you need to make smart insurance choices. Keep reading to learn more about motorcycle insurance. 

Motorcycle Insurance FAQs 

Is Auto Insurance Enough?

In most places, you can legally operate a motorcycle with a regular auto insurance policy. However, you should be aware that a regular auto insurance policy may not provide the proper amount of coverage to protect you as the driver. Sometimes, a bike owner can obtain certain benefits if they purchase a policy designed for motorcycles. 

What Does Motorcycle Insurance Cover?

Motorcycle insurance is made to work similarly to auto insurance. The policy will provide coverage in the event that your bike is involved in an accident. Money to cover the repair or replacement of other vehicles involved will be paid. Medical bills or legal fees may also be covered. 

If you want expenses covered for your own bike in the event that you are in an accident, you will need to make sure you purchase full coverage insurance. 

Special Benefits

There could be special benefits available for bike owners. If you only operate your bike during certain times during the year, you may be able to have your policy paused during the off-season and you can save money on premiums. Some insurance companies also offer benefits for bike owners who take bike safety courses. 

If you would like to learn more about motorcycle insurance, please contact us at Heimgartner Insurance Inc, serving Sioux City, IA and the surrounding areas.