Motorcycles are more vulnerable to damage from storms and hail compared to other vehicles due to their size and design. Critical parts of your bike are more likely to sustain damage than those of a larger vehicle, like a truck. It’s essential to understand whether your motorcycle insurance will cover hail damage before severe weather strikes.

Type of Insurance

Whether hail damage is covered depends on the type of insurance you have. Standard liability insurance in Brandon, FL only covers damage to another person’s vehicle if you’re at fault in an accident. It does not provide any protection for your motorcycle.

Comprehensive coverage, on the other hand, protects against non-collision events and situations beyond your control, including natural disasters and other unforeseen circumstances. Most comprehensive policies cover the cost of repairing hail damage. To ensure hail damage is included in your policy, consult an agent at an insurance agency like Runnels Insurance.

Excluded Events

Some insurance policies include fine print that excludes certain events or requires additional coverage for specific scenarios. For example, hurricane damage may be excluded in areas prone to hurricanes. Insurance companies often require policyholders to purchase extra protection for these high-risk events.

If hail damage occurs during an excluded event, such as a hurricane, your insurance company may deny the claim. It’s crucial to read the fine print in your policy and ask your agent about any exclusions to avoid surprises.

At Runnels Insurance, we understand the importance of knowing the details of your policy. Our agents are here to answer your questions and assist you in finding the right coverage. Contact us today to learn more. We proudly serve the Brandon, FL area.