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2345 W Ryan Rd, Suite H
Oak Creek, WI 53154

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Adventure Motorcycle Insurance: Safeguarding Off-Road Expeditions

Owning an adventure motorcycle like a dirtbike in the Oak Creek, WI area opens up a world of possibilities for off-road enthusiasts, allowing them to explore rugged terrain and embark on thrilling expeditions. However, the unique challenges and risks associated with off-road riding necessitate specialized insurance coverage to safeguard the rider and the motorcycle. 

Coverage for Off-Road Damage

Adventure motorcycles are built for rugged conditions, but they are not invincible. Coverage considerations include:

  • Collision Coverage: Protects the motorcycle in a collision with obstacles or other off-road hazards.
  • Comprehensive Coverage: Addresses non-collision events such as theft, vandalism, or damage from natural elements.
  • Accessory Coverage: Includes protection for aftermarket accessories and modifications, ensuring that customized features are covered in the event of a covered loss.

Emergency Assistance and Towing Coverage

Off-road adventures may lead riders to remote locations where assistance can be challenging to access. Insurance coverage that includes emergency assistance and towing is crucial for:

  • Emergency Medical Expenses: Covers medical expenses in the event of injuries sustained during off-road riding.
  • Towing and Recovery: Assists if the motorcycle becomes stuck or disabled in a remote location.

Liability Coverage for Off-Road Riding

Liability coverage remains a fundamental aspect of adventure motorcycle insurance, offering financial protection if the rider is held responsible for injuries or property damage to others while off-road.

Navigating Premium Factors for Off-Road Riding

Several factors influence adventure motorcycle insurance premiums, including:

  • Riding Experience: More experienced riders may benefit from lower premiums.
  • Type of Motorcycle: The motorcycle’s make, model, and age contribute to premium calculations.
  • Safety Measures: Installing safety features and completing off-road riding courses may offer exceptional discounts.

Bronson Insurance Services Can Help You

At Bronson Insurance Services, we can help answer questions concerning motorcycle insurance. We serve the Oak Creek, WI area. Contact us today. 

Different Types of Motorcycle Insurance

Each person operating a motorcycle in Wisconsin must possess, at a minimum, liability insurance. Motorcycle drivers also need to carry proof of coverage with them while driving. 

Bronson Insurance Services is here to assist Oak Creek, WI bikers with this important coverage. Here’s what to know about the motorcycle insurance options available for your bike.

Bodily Injury and Property Damage Liability

Bodily injury and property damage are the basic liability coverage every motorcycle driver has to have in case they cause harm to another person or their property.

The minimum liability amounts in Wisconsin are $10,000 for property damage, $25,000 for the injury or death of one person, and $50,000 for the injury or death of more than one person.

Uninsured or Underinsured Motorists

Coverage for uninsured or underinsured motorists protects against accidents with people who don’t carry insurance for themselves.

Comprehensive and Collision

Comprehensive coverage pays for repairs or a replacement for your motorcycle if it’s stolen, vandalized, or damaged. Collision coverage pays for repairs or replacement in case of damage from an accident.

Medical Payments

This coverage compensates for reasonable and necessary medical expenses resulting from an injury to you or any passengers.

Towing and Labor Coverage

This provides reimbursement for the cost of towing or other related labor if your bike breaks down or is in an accident.

Roadside Assistance and Trip Interruption

If your motorcycle is disabled, roadside assistance coverage can help get it somewhere for repairs. Trip interruption coverage covers up to a certain amount of money required for meals and hotels due to the interruption.

If you’re unsure what makes the most sense for you when creating a policy, then it’s best to consult an expert.

Reach Out To Us!

For extra help with your motorcycle coverage, contact the insurance providers at Bronson Insurance Services, servicing Oak Creek, WI.

How to Make Sure Your Motorcycle is Safe Before Every Ride

You love your motorcycle. It’s your baby. You take care of it and ensure it’s pristine before every ride. But is that enough? No matter how well you take care of your bike, there’s always the potential for something to go wrong. That’s why it’s essential to do a safety check before every ride. Here’s a quick checklist from Bronson Insurance Services in Oak Creek, WI to help you make sure your motorcycle is safe before you hit the road.

What to Look for When Checking Your Motorcycle:

Lights and Signals

When performing lights and signals check on a motorcycle, check the headlight, taillight, brake light, turn alerts, and hazard lights. Ensure all the lights are working correctly and synchronized turn signals and hazard lights.


It is essential to check the tread depth and condition of the tires. It is also important to check the tires’ air pressure and ensure that the tires are inflated to the proper level.

Throttle and Clutch

When checking the throttle and clutch cables, look for fraying, kinking, or breaking. The line should be lubricated, but not excessively. In addition, make sure that the throttle moves smoothly and evenly.

Gas and Oil

Be sure to check the oil level and quality, as well as the fuel level and quality. Also, check for any leaks in the gas or oil lines.

Get Motorcycle Insurance Today

Insurance is essential to motorcycle safety because it can help cover the costs of damages and injuries incurred in an accident. It can also provide peace of mind in knowing that you and your loved ones are protected in the event of an accident. Discover more about your insurance options and contact Bronson Insurance Services in Oak Creek, WI today!

Motorcycle Insurance Guide To Help Wisconsin Residents Find Coverage

Bronson Insurance Services provides coverage to the Oak Creek, WI community, as well as the surrounding areas. We strive to make sure that our clients find the coverage they need to protect their assets. We take a personalized approach to finding coverage. We understand that each of our clients has unique circumstances. We are confident that we can help you find a custom policy that aligns with your needs.

Motorcycle Insurance Guide

Motorcycle riding is a popular hobby. However, it can be dangerous depending on the conditions. You have to be aware of the other riders, as well as unique road conditions. An accident can happen at any moment. Motorcycle insurance protects you if something goes wrong.

The foundation of the policy is a liability, collision, and comprehensive coverage. Liability coverage protects you if your motorcycle is responsible for injuring someone or causing property damage. Collision coverage protects you if your motorcycle is damaged due to an impact with another vehicle or an object such as a wall or tree. You can rely on comprehensive insurance if your motorcycle is stolen or suffers damage due to inclement weather. If you have a passenger with you, and they suffer an injury, you can rely on personal injury protection to cover their medical treatment.

Options To Consider

You can amend your motorcycle insurance to cover you in unique situations. If you are taking a trip out of Oak Creek, WI and your motorcycle starts having problems, roadside assistance will protect you. You will receive immediate towing service of fuel if your motorcycle ran out of gas. You should also consider adding extra coverage if you have installed any custom parts or accessories to your motorcycle. This is the only way to ensure that you are fully protected if your custom motorcycle suffers damage or your parts are stolen.

Bronson Insurance Services Will Help You Protect Your Assets

Visit our website to learn more information about motorcycle insurance.

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