Motorcycle Insurance
Motorcycle insurance provides financial protection against physical damage and/or bodily injury resulting from traffic collisions, as well as liability that may arise from the actions of the motorcycle rider. It can also offer protection against theft or damage to the motorcycle caused by incidents other than traffic accidents.
Motorcycle Insurance Coverage Options
Motorcycle insurance offers various coverage types, some of which may be required by law, while others are optional. The main types of coverage include:
| Accessory Coverage : Covers the loss, theft, or damage to motorcycle accessories such as saddlebags, custom handlebars, and OEM electronics. | Comprehensive Physical Damage Coverage : Provides coverage for physical damage or loss of the motorcycle not caused by a moving vehicle collision. | Collision Coverage : Pays for damage to the insured motorcycle resulting from a collision with another vehicle, object, or if the motorcycle overturns. |
| Bodily Injury Liability Coverage : Pays for bodily injury or death resulting from an accident where you are at fault. It also provides a legal defense and covers passengers riding on your motorcycle. | Property Damage Liability Coverage : Pays for physical damage resulting from an accident you are at fault for and offers legal defense. | Medical Payments Coverage : Covers medical expenses for all parties riding on the motorcycle involved in an accident. |
| Personal Injury Protection (PIP) : Available in certain states, PIP covers medical expenses, lost wages, and other damages, regardless of who is at fault. | Uninsured/Underinsured Motorist Coverage : Provides coverage for damages if you are injured by an uninsured or underinsured driver. It pays the difference between what the negligent driver can cover and what you would be entitled to as if the driver had proper insurance. | Motorcycle Roadside Assistance Coverage : Assists riders whose motorcycles suffer mechanical failure, offering roadside support and breakdown assistance. |
Contact us to learn more about the motorcycle insurance that best suits your needs.
