Summer time; the time to start getting all of the summertime toys out of winter storage. My favorite summer toy....my motorcycle. When I polish that chrome or wax that paint my only worry, making sure it looks amazing. When I am out on the open road or chillin at the local bike night (New Philadelphia, or Canton) again my only worry, "how does it look."

Before I got into the insurance business my only concern about insurance on my motorcycle was making sure "I was covered" if my bike was stolen or damaged. I did not worry about being at fault in an accident, honestly I never thought that would happen. I did not realize I was grossly under-insuring myself when it came to my motorcycle. I knew had adequate liability coverage on my home and my car but when it came my bike as long as I "had coverage" that's all I was after. Now that I am a full time licensed agent, I realize that if I am at fault on my motorcycle I am going to be held just as accountable as I would be in my car.

Some terms I became familiar with after I became a licensed insurance agent are:

Collision Coverage
Whether it's icy roadways, a blind spot, or an uncontrolled intersection, Collision Coverage pays any amount more than your deductible to restore the damage done to your vehicle to factory new condition in the event of an accident.

Liability
You never know when someone might get hurt in an accident. You could stand to lose a lot if you are at fault. Liability Coverage provides protection again financial loss.

Medical Payments Coverage
It's been a month since the accident and you just received your first hospital bill. Medical Payments Coverage makes sure you're protected against the income losses caused by medical and funeral expenses.

Optional Equipment Coverage
Adding features to your vehicle may add a personal touch but they can get "spendy". That's why we provide Optional/Add-on Equipment Coverage.

Safety Apparel Coverage
Have a nice helmet? Got some sweat leathers? Make sure you don't have to pay for it all over again if you get into an accident.

Transport Trailer Coverage

Sometimes transport trailers cost just as much as the vehicles that you own. That's why we offer Transport Trailer Coverage. To make sure that your transport trailer is protected.

Now when I talk to my clients I try to educate them on these terms and making sure that all their assets are protected no matter what vehicle there are driving. If you have any questions about your motorcycle coverage or if you are properly covered please contact us here at McKinnon Insurance - we would be glad to review your coverage.

Personal Watercraft...
Our policies provide important standard and optional coverages that are geared toward a number of personal water crafts that may not be available in a conventional auto or homeowners policy.

What Coverages could you need?

For real peace of mind as you travel off the beaten path, you need a policy that provides a wide range of coverages. These should include:

Collision Coverage
Other Than Collision Coverage
Liability Coverage
Medical Payments Coverage
Safety Apparel Coverage
Personal Property
Towing and Assistance
Trailer Coverage

Additional Coverages

For extra protection out on the trail, policy offerings vary. Available options:

Increased limits on Liability
Optional Equipment Coverage
Coverage on transport trailers valued up to $7,500

Annual Policy -

You can enjoy year-round coverage with no lay-up period, so if there's a beautiful day when the trail is calling to you, rest assured that you're covered. No extra phone calls, no hassles!

If you recently purchased a recreational vehicle and would like to learn more about your coverage options, or if you simply want to review your current policy coverages, please contact me at any time.