Motorcycle Insurance

Motorcycle insurance is necessary whether you’re riding for fun on the weekends or it’s used for your daily commute to work. What coverages do you need?

Liability & Medical

It's the coverage that helps you pay for damage so it doesn't come out of your pocket.

Liability Coverage 

A must-have when an accident is your fault. Don’t skimp on this coverage. This compensates others for losses if you're responsible for injuring another person or damaging their vehicle or property. Liability coverage also helps pay the costs of related lawsuits.

Two common types of liability coverage:

  • Bodily InjuryIf you’re at fault in an accident, this helps you pay for an injured person's medical expenses and lost wages.
  • Property Damage: If you cause an accident, this will help pay for damages to another person's property, such as another car, a house or fence.

Medical Coverage

This option helps pay for any essential medical bills. Don’t assume your medical insurance will cover everything.

Underinsured / Uninsured Motorist Coverage 

If a driver who is responsible for the accident doesn’t have insurance or has insufficient insurance, this will cover the cost of injuries to you. It also covers you if the at-fault driver’s insurance company denies the claim or if the driver ends up owing more than what their insurance will pay. Accidents involving hit and run drivers are also covered, as are medical bills.

Vehicle

Protects you from costs associated with an accident involving your motorcycle.

Collision Coverage  

Collision helps pay for the repairs covered by your policy to get your motorcycle fixed after an accident.

Comprehensive Coverage  

With this coverage, your motorcycle is covered for damages that aren’t caused due to a collision. Such as theft or vandalism.

Accessories Coverage   

Accessories may include riding apparel, helmets, leathers and boots. Your policy will include a maximum amount of automatic accessories coverage but depending on how much money you have put into your accessories, you may want to consider additional coverage.

U.S. Motorcycle Helmet Laws

The Insurance Institute For Highway Safety provides helmet use laws

Click here to see >>



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