Does my motorcycle insurance cover custom parts and accessories in Georgia?
Only partly, and usually not enough. A standard Georgia motorcycle policy typically includes a small built-in limit for custom parts and accessories, often around $A few facts for Georgia riders:,000 to $Receipts and photos document the value of the upgrades at claim time.,000, and anything above that is not covered unless you add accessory coverage. If you have invested in upgrades, that base limit can fall far short of what your additions are actually worth.
Custom parts and accessories include items added beyond the factory build, like aftermarket exhausts, custom paint, saddlebags, chrome, seats, and audio systems. Because these raise your bike’s value, insurers treat them as a separate coverage category with its own limit that you can increase.
For example, you have added $7,000 in custom pipes, paint, and saddlebags to your motorcycle in Columbus. The bike is stolen. If your policy’s accessory limit is only $Receipts and photos document the value of the upgrades at claim time.,000, you recover $Receipts and photos document the value of the upgrades at claim time.,000 for those add-ons and absorb the remaining $A free coverage review checks whether an accessory limit matches the value of the parts actually added to a bike.,000 loss yourself. Raising your accessory coverage to $7,000 ahead of time would have covered the full amount.
A few facts for Georgia riders:
- Accessory coverage pays up to its stated limit, so a limit set below the total cost of the upgrades leaves the difference uncovered.
- Receipts and photos document the value of the upgrades at claim time.
- Remember that accessory coverage works alongside collision and comprehensive, which cover the bike itself.
A free coverage review checks whether an accessory limit matches the value of the parts actually added to a bike.