Baugh Insurance Agency 1-256-828

Baugh Insurance Agency 1-256-828-6124

The Right Protection for your Leisure Time Activities!

Extensive Coverage. Special Features. Solid Expertise.

You'd expect most motorcycle insurance policies to provide liability protection as well as comprehensive and collision. But consider what else you might need. Does the policy protect accessories installed by the manufacturer, such as luggage carriers and saddlebags? Does it cover damage to your helmet? There are many important differences from one specialty policy to another.

Also, be aware that many carriers depreciate claim settlements. If it's important for you to be able to replace your cycle in the event of a total loss, you need a policy that offers replacement cost coverage, not actual cash value. The American Modern Motorcycle Insurance program is one of the best at providing the broad coverage and "user friendly" features you need in a motorcycle insurance policy.

American Modern Insurance Group (American Modern), wants you to fully enjoy your motorcycle experience, without worrying about your insurance protection. The right combination of insurance and safe operations will greatly enhance your time on the road, throughout your travels.

 Why It's Good to Have a Specialty Policy

 The Types of Bikes We Insure

 Motorcycle Coverages

 Handy Options, Benefits and Extras

 Read Your Policy Carefully

 How to Obtain an American Modern Policy

 Safe Motorcycle Operation

 Motorcycle Theft Prevention

Why It's Good to Have a Specialty Policy

A Policy Designed to Meet Your Needs. At American Modern, our focus is on providing quality protection for just a few select types of insurance, including manufactured homes, motorcycles and boats. Our specialty focus helps us better understand the products we insure, so we can provide a policy that is designed to meet your needs. For more information about American Modern, click here.

Specialty Policies Protect You against Lots of Things That Can Happen. Sometimes you can cover your motorcycle by adding an endorsement to a policy you already have. But, that coverage is usually pretty basic. To obtain increased coverage limits, as well as protection for replacement cost, safety apparel, and trip interruption, you need the protection of a specialty policy.

The Types of Bikes We Insure

At American Modern, we cover all kinds of bikes, including:

 Cruisers

 Touring motorcycles

 Dual Purpose

 Mopeds

 Scooters

 Standard street driven motorcycles

 SuperSport motorcycles

 Trikes

 ATV's

 Dirt Bikes

 Four, six and eight-wheeled Utility Vehicles

Motorcycle Coverages

 Your Choice of Protection. We offer two types of policies: Liability only or a combination Liability/Comprehensive/Collision policy. Select the one that's right for your bike and your situation.

 Replacement Cost Coverage. Don't suffer from costly depreciation. This optional protection, available on select cycles, pays to policy limits to replace a loss to your cycle. If your bike is stolen or damaged beyond repair, and Replacement Cost coverage is part of your policy, we will pay to replace the lost unit with another of like kind and quality.

 Accessory Coverage. We include $3,000 in coverage for all permanently-attached accessory items, including non-manufacturer accessories. Need more coverage? Just tell your agent.

 Helmet Collision. If your headgear is damaged due to a covered loss, we'll pay up to $400 per helmet, $800 per occurrence. We also offer an optional Safety Apparel Coverage for approved cycle clothing and apparel, when damaged in an accident.

 Travel Loss Reimbursement. This optional coverage provides protection to policy limits for:

o Trip Interruption Coverage. If your cycle breaks down or is damaged when you're 100 miles or more from home, we cover meals and lodging expenses, as well as alternate transportation home.

o Tow and Emergency Road Service Coverage. We pay to policy limits for your tow.

Handy Options, Benefits and Extras

 Premium Discounts. We offer many discounts, ranging from completing a motorcycle safety course to insuring two or more bikes on the same policy. We even give a discount if you're claim-free and renew your policy for another term with us, or if you're a homeowner. We can also reward you with lower rates if you have previous motorcycle experience. Check with your agent for more information.

 Multiple Deductible Options. We offer many deductible options just right for you. Ask your agent for details.

 Fast and Reliable Claims Service. Our customers can report a claim online or over the phone, any time day or night. Call during business hours, and a customer service representative can take your claim personally. We also have after-hours and weekend service for emergencies!

 Various Payment Options. We offer our customers many flexible ways to pay the premium on their policies. They can take advantage of EZPay™, a once-a-month electronic funds transfer that pays the premium due - and the customer even picks the day of the month the transfer occurs. We accept checks, Visa®, MasterCard®, American Express®, Discover®, and debit cards. We are also able to offer some of our customers installment payment options. For more information on our payment options, talk to your agent or click here.

The availability of and qualifications for deductible, discount and payment options may vary from state to state. In addition, terms, conditions and exclusions not described above may apply. Please contact your agent for more information.

Read Your Policy Carefully
Our site contains general descriptions of the policies and coverages we provide. While you may use our site to help you understand the different types of coverage available, remember that this site does not describe all of the terms, conditions, limitations or exclusions in your policy, nor does it modify or change any definitions expressly stated in any contracts of insurance. Our policy and coverage offerings also vary from state to state. We encourage you to speak to your insurance agent and to read your policy contract to fully understand your coverage.