If you have spent a thousand, ten thousand, or even fifty thousand dollars or more to customize your bike, you want full insurance coverage for your investment. The challenge that custom bike owners in Las Vegas, NV, and throughout the state run into is that you can’t get full coverage for your custom motorcycle by shopping online.

That’s where Modern Choice Insurance comes in.

At Modern Choice Insurance, we advise our customers that the kind of policy they need depends on how much they have invested in their motorcycle:

• If you have not made many modifications to your motorcycle, maybe a custom paint job, engraving, handlebars, or custom light and sound, you may get the coverage you need with a standard policy plus add-ons.
• If you built your bike from a kit or made extensive modifications to it as it came from the manufacturer, you may need an "agreed value" policy to fully insure your investment.

If you don’t tell the insurance company about your customizations, your coverage will be limited to the cost of a stock model. They might even deny your claim because your bike does not match their records.

And for motorcycles with performance modifications like a nitrous oxide kit, you may need motorsports or racing insurance. Many insurance companies will decline coverage for bikes that can achieve high speeds. You will need the help of an agent to find coverage for a high-performance machine.

There are almost no situations in which we recommend liability-only coverage. When you get liability-only coverage from a standard insurance company, you don’t have any compensation for repairs when you cause an accident.

Las Vegas, NV, is a great place for bikers. Luckily, we are located there! Call Modern Choice Insurance today to make sure you have the coverage you need.