Motorcycle Insurance Coverage With Shark Cycle
Though not, typically, as expensive as cars, motorcycles still are a large investment and should be protected by insurance, particularly when money has been borrowed in order to buy them. Below are typical coverages that apply either to the vehicle or to those operating the vehicle:
Collision coverage – This covers damage to your own vehicle that happens when your vehicle runs into another object, such as other vehicles, trees, light poles, mountains, etc.
Other Than Collision coverage – This also covers damage to your own vehicle that is due to sources such as fire, theft, hitting an animal, vandalism, earthquake, flood or hail.
Unlike liability coverage, both Collision and Other Than Collision coverages are subject to deductibles, the amount of a claim that the policy owner must pay. Deductibles are meant to eliminate an insurer having to pay for very minor losses.
Special Parts and Accessories – This coverage may be part of a cycle insurer’s basic coverage or, quite often, an optional coverage. Typically it pays for loss involving damage to custom equipment that is added to a cycle rather than what is provided by the cycle manufacturer.
Medical Payments – This coverage typically handles medical expenses for injuries to you while operating your cycle.
Roadside Assistance – This coverage is to help pay for your costs to deal with a disabled cycle, helping to pay for it to be transported to a location for repairs of to assist with the cost for any repair or service that occurs at the location of the cycle’s breakdown. However, this coverage is for labor rather than the costs of parts.Similar to auto insurance, motorcycle insurance poses many possibilities and options. With that said, it’s always best to check in with your local insurance agent to make sure that there is proper coverage on your motorcycle.
Don’t forget to visit Shark Cycle on the web at www.SharkCycle.com. Whether your looking for snowmobiles, quads, street bikes or motorcycles, Shark Cycle in Stafford Springs Connecticut is your one stop shop!
- The Paradiso Team
Courtesy of Rough Notes
Spending time on the water is truly a fantastic way to enjoy a warm New England summer day. A few mixed drinks here, a dip in the water there, jokes and laughter all around. However, a peaceful day on the water can quickly turn into a financial nightmare. A distracted driver can easily hit a rock, damaging the hull and engine. The 
u across a snowy field, Shark Cycle in Stafford Springs, Connecticut, is there for you. They have the finest selection in new and used ATVs, motorcycles, and snowmobiles in the area. Their expansive showroom is packed to the ceiling with vehicles, clothing, gear, and parts. From Suzuki GSX-R’s to Polaris Rangers, Shark Cycle has it all.
Another great way to showcase a Garage Keeper’s Policy is to use the make-believe example of John. John had a fantastic GSX-R that was in need of new brakes. While in Shark Cycle’s shop, the bike was dropped and multiple things were broken. A mirror was shattered, some plastic cracked, and some scuffing could be seen on the metal parts. How could this be covered? Shark Cycle did not own the motorcycle. However, under a Garage Keeper’s policy, John did not have to pay a dime for the repairs of his bike. Shark Cycle received money from their insurance company to replace the parts. 
As you may expect, this policy can be quite expensive! However, there are many ways Shark Cycle has lowered its premiums. Business owners, take note! Shark Cycle has recently installed many security cameras. While these cameras were pretty expensive, Bob at Shark Cycle knew that it was a necessity. Once Shark Cycle’s insurance company was told that Shark Cycle took the initiative to protect its inventory with some sort of theft deterrence, they lowered the business’s premiums. Security cameras can literally pay for themselves over the course of a year or two! This same principle applies to alarm systems and motion sensors.
Shark Cycle has been a great client of the Paradiso Team for many years. Our two businesses are just as close in friendship as they are in location. We look forward to insuring Shark Cycle for many, many years to come.
What I saw, though sad and frightening, is something that happens all too often. A man on a motorcycle had crashed and his bike was squished like a tin can. On the ground, the man lay, conscious but still. Pieces of the bike and rider’s clothing were everywhere and a scared friend knelt at the rider’s side. Two things I can tell you this rider and his friend were NOT thinking about at that moment: motorcycle insurance and life insurance. Unfortunately, life is constantly throwing at us the unexpected. Having an “it won’t happen to me” attitude will get you nowhere. Accidents and death are not something we like to think about or prepare for, but preparing is exactly what we should do. Think of your family; get life insurance for the unexpected times. Think of yourself; get motorcycle insurance for the when accidents happens. You will be happy you chose to think ahead when, like that man I saw the other night, you see what is left of your motorcycle. 
Boat insurance is crucial if you own a watercraft. When you purchase a policy, there are three main points that you must pay attention to. Here at 
Dirt bikes and ATVs are an awesome way to get your blood pumping. The thrill of living on the edge, the whiplash-inducing speed, the excitement of dodging the trees and rocks that block your path. If you own an off-road vehicle, chances are that you enjoy living on the edge. However, insurance is something you should absolutely consider. Whether you are tearing through the woods on an ATV or hitting the sand pits with your bike, your off-road vehicle needs to be protected. Here at 
Let’s face it: motorcycles are awesome. The wind blowing through your hair as the smells of fresh leather and gasoline fill your nostrils. Twists of the throttle, the rush as you zoom through the serene New England countryside. Loud, powerful noises emanating from your exhaust tip. Motorcycles are truly exciting. They are a fantastic way to get out and see the sights in an entirely new way. But, as we all know, motorcycles can be dangerous. A rider can be seriously injured by a distracted motorist. Whether you’re a weekend hobbyist or a hardcore rider, our 
