How Weather Conditions Impact Motorcycle Insurance Claims

At Saucon Insurance Agency in Bethlehem, PA, we understand riding a motorcycle is thrilling and freeing. However, weather conditions can significantly impact your ride and, consequently, your insurance claims. Let’s explore how different weather scenarios can affect motorcyclists.

Rainy Days and Slippery Roads

Rain can turn a pleasant ride into a hazardous journey. Wet roads reduce traction, increasing the likelihood of skids and accidents. Claims often rise during rainy seasons as riders face challenges like reduced visibility and slippery surfaces. It’s crucial to ensure your insurance covers such incidents to avoid unexpected expenses.

The Hazards of Fog

Fog is another weather condition that can complicate riding. Limited visibility means less time to react to obstacles or sudden changes in traffic. This can lead to higher claim rates due to collisions or mishaps on the road. Riders should be cautious and consider additional coverage for these scenarios.

Winter Woes: Snow and Ice

Winter brings its own set of challenges, with snow and ice making roads treacherous, and even experienced riders can find themselves in tricky situations. Insurance claims often spike during winter months as accidents become more frequent. Ensuring you have comprehensive coverage is a smart move to protect against these seasonal risks.

Sunny Days and Overconfidence

While sunny days seem perfect for riding, they can lead to overconfidence and increased speed. This sometimes results in more accidents. Surprisingly, good weather can also lead to a rise in claims as more motorcyclists are on the road.

Understanding how weather affects your ride can help you choose the proper coverage. At Saucon Insurance Agency in Bethlehem, PA, we’re here to help you select the best policy. Contact us today to ensure you’re fully covered, rain or shine!

What Assets Are Covered In Umbrella Insurance?

If you’re considering adding umbrella insurance to a personal or business policy, it’s important to know what assets can be seized. Below are the most common assets that can be frozen, sold, and used to repay a debt or damages you’re responsible for.

Bank Accounts

Any bank or credit card accounts you have can be frozen, making spending or using that money impossible. This includes checking accounts, savings accounts, and any money market investments. Some have CD accounts and other saving options that can be seized and sold.

Recreational Vehicles

If you own boats, ATVs, or UTVs, you can expect these items to be surrendered and sold without umbrella insurance. When they are sold, they are often sold at auctions, so bidders aren’t paying what these items are worth, which can be devastating. Anything that has a title under this category will be taken into custody and sold later.

Vehicles and Motorcycles

Any vehicles or motorcycles that you own are also valuable assets that can be seized. When you build your umbrella insurance policy, you want to ensure you’re adding the correct value of these vehicles and motorcycles so you can protect them in case of a case.

Land and Homes

Probably the first items to be seized when someone doesn’t have umbrella insurance are land and homes that the person owns. This can also include any commercial business that you have. With umbrella insurance, you can cover the cost of your home and these properties so that it can pay out and you can stay in your home.

Umbrella insurance allows you to draft a policy large enough to protect all of these assets. If you have more questions, contact us at Saucon Insurance Agency. We serve the communities in and around Bethlehem, PA.