If you have a history of accidents, moving violations, or tickets, your insurer may be less likely to provide you with a policy.
Some policies may not be available if you do not meet a minimum age requirement or your motorcycle does not have liability insurance.
Many policies also require that you have a certain amount of experience on your motorcycle. Versatile Insurance Planners in San Antonio, TX can help if you’ve questions.
What’s Involved in Motorcycle Insurance Denial
Motorcycle insurance is not one-size-fits-all, and every policy comes with specific terms and conditions that must be met to be insured. To be granted a policy, the insurer will likely request information about your riding history, bike, and driving record.
If you have declined coverage or your premium is significantly higher than other drivers, know that you may have violated one or more of these conditions.
The most common reasons for denial of motorcycle insurance are driving violations, a lack of motorcycle experience, and insufficient proof of liability insurance. Other causes may include:
- For drivers under the age of 21, most insurers will require a parent or guardian to sign an endorsement on the policy
- For drivers over the age of 69, most insurers will require a doctor’s statement to sign an endorsement on the policy
- For drivers with a record of DUIs, most insurers will require a doctor’s statement to sign an endorsement on the policy
- Most insurers will require a doctor’s statement to sign an endorsement on the policy for drivers with a record of reckless driving violations.
- Most insurers will require a doctor’s statement to sign an endorsement on the policy for drivers with gaps in their insurance coverage.
- You may also be denied insurance if you have multiple DUI or DWI convictions.
- If you have multiple tickets or an at-fault accident on your driving record, you may not be able to get motorcycle insurance.
- If you have had your car repossessed, you may not be able to get motorcycle insurance.
You may be denied motorcycle insurance if you have a habit of reckless or unsafe driving. Habitual offenders are not welcomed in the insurance market, and this is especially true for motorcycles.
If you have a DUI or DWI conviction on your driving record, you will have a more challenging time getting motorcycle insurance.
Also, without experience, you may not get motorcycle insurance. For inquiries and help, consult the San Antonio, TX firm, Versatile Insurance Planners.