You own a car, are fairly handy at fixing things and don't mind getting your hands dirty, then maybe adding roadside assistance to your car insurance policy wouldn't be for you. On the other hand, if you work in a professional office and wear nice clothes, drive a little bit older car, have kids, or don't know anything about cars, then it's an absolute necessity. The other driver that really needs to have this type of coverage is a motorcycle rider.
When You Ride A Motorcycle, Roadside Assistance Is A Must Have Coverage
One thing is for certain, if you have a flat tire on a motorcycle, you won't have the tools or the spare tire to fix it. Plus, changing a tire on a bike isn't as easy as it is for a car, especially the rear tire. Not only that, but the front tire and rear tire are different, you would have to carry two spares to make sure you had the right one.
There is nothing harder than trying to push a 400 lb. to 600 lb. bike up a hill with a flat tire along the edge of the road with cars rushing by at 60 MPH. Not only is it hard, but it's humiliating as well. Plus, motorcycle roadside assistance coverage is fairly inexpensive, just one breakdown and you've more than saved your money back.
With Roadside Assistance Coverage You Can Get Help With A Phone Call
Even if you have friends that could come for help, most won't have a truck that could haul your motorcycle to a repair shop or your home. Lifting a motorcycle into a truck is also a back breaker that requires about 6 strong guys. Fixing anything on the side of the road is incredibly dangerous, many people have been struck and killed. With a motorcycle tow, they'll send a flatbed that can hold the bike upright and secure, then take it to a repair shop that can handle fixing it.
There Are Different Types Of Policies For Motorcycle Roadside Assistance
What you'll find when you start looking is that there are policies that come as part of your regular liability coverage, and these can be adequate for most people. Then there are policies that cover you personally, whatever car or bike you're riding in is then covered. The biggest difference between the two types is that one follows the motorcycle and the other follows the person.
So if you let your friend ride your motorcycle and it's covered, so is he, if it breaks down on the road. The personal coverage, on the other hand, won't cover your friend, but would cover you, even as a passenger, in whatever kind of vehicle you happen to be riding in. The latter coverage can be more expensive, but it's also a huge lifesaver when you have to use it. Ask anyone that's been stranded on the side of the road with several children in the car.
There are a lot of different levels of coverage that can be purchased for roadside assistance so it's important to read the details before you buy. There are also some handy comparison charts available on the internet that can help you make sense of all the different levels as well.
Visit Best Roadside Service for more information.