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The warm weather is on the rise and many people are starting to enjoy their toys once again.  Are you somebody who loves to ride up and down the beach on your motorcycle in this lovely weather?  Not to worry, Davis & Massey Insurance Agency has the answers to help you properly protect your expensive toys and accessories against any unexpected accidents or tragedies.

As many of you may already know insurance is extremely important whenever you own any recreational vehicles such as a boat, golf cart, or motorcycle.  Motorcycles are extremely common in the South and Myrtle Beach, South Carolina hosts one of the largest national bike weeks ever.  This event attracts thousands of people from all over the country increasing the probability that an unexpected occurrence can happen.  According to the Insurance Information Institute there were a total of 4,586 fatal motorcycle crashes and roughly 92,000 motorcyclists who were injured in 2014.  This number continues to rise and we certainly hope you are not the next one to experience a tragedy.

At Davis & Massey Insurance Agency we are able to provide affordable coverages on any of your motorcycles whether it be your cruiser, sport bike, chopper, or even modified bike.  Motorcycle insurance is similar to auto insurance and usually yields the same coverages for your motorcycle as it would for your vehicle.  At Davis & Massey Insurance we are able to provide you with key coverages such as property damage, bodily injury liability, comprehensive, collision, and medical payments.  We are also able to offer a wide variety of other additional coverages such as roadside assistance, towing & labor, and trip interruption.  Some discounts that may be applied to your policy when purchasing motorcycle insurance through our company is by owning a home, taking a safety course, being a member of an approved association, or even bundling it with another policy you have with us.  Some of our top carriers that we represent and use to provide you with the best motorcycle insurance are Safeco, Progressive, and Foremost.

 In the state of South Carolina the minimum liability you are able to receive when purchasing motorcycle insurance is 25,000 per person, 50,000 per accident, and 25,000 property damage.  One way motorcycle insurance differs from auto insurance is that in some cases your liability insurance does not cover passenger liability, so it is highly recommended that you ask your personal insurance agent to review your policy.  Replacement cost coverage is not always available for motorcycles but you may be able to purchase an additional stated amounted which in essence covers the loss of motorcycle if it were to be completely totaled.  Many people always ask whether or not we are able to provide additional coverages for custom parts and safety equipment.  That’s a very good question and the answer to that is yes!  We highly recommend that you purchase additional coverages for these accessories if you have spent a decent bit of money on them.  As you can see the need for motorcycle insurance is extremely important and we have some of the top carriers to help provide you with these coverages.  Don’t wait until it’s too late and give us a call today at (843) 839-9229 or go online to davismasseyins.com for a quick and easy motorcycle insurance quote!

Motorcycle Crashes. (n.d.). Retrieved May 09, 2016, from http://www.iii.org/issue-update/motorcycle-crashes
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