Striking a pothole while enjoying the open roads in Plymouth, MN is an inevitability. What matters most is whether the damage caused by that pothole will be expensive to repair.

Will motorcycle insurance cover the cost of repair or possibly even replacing a part ruined by the pothole?  

Here’s the inside scoop on motorcycle damage and potholes from the Anchor Insurance Agency LLP.

Potholes and Motorcycle Insurance

If you strike a pothole while riding, you can file a claim. The claim would be considered a form of collision as you collided with the pothole. In a sense, such a collision is similar to a crash with another object or vehicle.

Though the insurance company might state you are solely at fault for the incident, the damage to your motorcycle still might be covered. Moreover, we would be remiss not to mention you aren’t completely at fault as the city, town or village where the incident occurred is also partially at fault for failing to repair the pothole.

What Happens to Your Monthly Premium After Filing a Claim

If you file an auto insurance claim after hitting a pothole, there is a chance the insurance company will hike your premium. It is worth noting some insurers provide accident forgiveness, meaning your auto insurance rate might not increase after filing the claim.

In particular, such benefits tend to be available to loyal customers who have several years of driving without filing a claim.

Contact Anchor Insurance Agency LLP Today

Dial 763-473-4090 to learn more about motorcycle insurance coverage options. We serve the entirety of the greater Plymouth, MN area.