The purchase and use of motorcycles is on the move in the United States. Owning and riding a motorcycle can be a very intense and yet relaxing pastime, but like all good things, it comes at a price. Recent statistics show that an accident on a motorcycle inflicting serious bodily injury happens about once every 15 seconds and 20% – 25% of bikes stolen are never recovered. This gives more than enough reason to look into purchasing insurance for your motorcycle. Motorcycle Insurance is one of the few products that is meant for YOU. Typically, as one could only imagine, the damage you do to yourself is always greater than the damage that can be done to someone else and/or their property. Additionally, most people don’t know that most Health Insurers are now limiting coverages for medical injury sustained on a bike or by way of a bike. Automobile Insurance already excludes any sort of coverage for this, so you must be aware of your coverage gaps.

  • The costs of injuries to others hurt while riding your bike or those injured from being hit. Property damage is also covered under this insurance.
  • Damages from fire, hail, tornado, hitting an animal, and theft.
  • Motorcycle helmet, leather, and other personal apparel can also be purchased.
  • Trips by an ambulance and post accidental therapy may be included.
  • Towing and roadside assistance can be added.

Very similar to purchasing car insurance, companies consider many factors in calculating rates such as driving record, age, and type of motorcycle purchased. Motorcycle insurance is imperative to any motorcycle owner regardless of your state laws. You can never tell what is going to happen and hospital rates alone should prompt anyone into investing into insurance.

Ernest Del Duke, Jr.

Ernest is the third generation owner of the Del Duke Insurance Group. He grew up in the insurance industry, working in this field before, during, and after his undergraduate and graduate studies. He has been involved in every aspect of the company’s operations, growing it from two employees and one insurance carrier in 1997 to where it is today. Ernest holds a Bachelor of Science in Finance from Rutgers University School of Business, a Certification from Rutgers Supervisory Management Graduate Program, and the AAI accreditation from the Insurance Institute of America. He also has served as the Chairman of The Cherry Hill Chamber of Commerce, has served on the Board of Trustees for Sustainable Cherry Hill, and has served on the Board of directors of the Independent Insurance Agents & Brokers of Southern New Jersey. He currently is a member of the Camden County Chamber of Commerce Board of Directors, a member of the Delaware Valley Business Leaders Alliance, a member of Cherry Hill Township Mayor’s Business Council, a member of the Partnership for Haddonfield, and is involved with several school and local kids athletics associations in Haddonfield, where he and his wife Vanessa, two boys Andrew & Harrison, and dog Frank live.

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