motorcycle insurance coverages
Riding a motorcycle is a great way to (metaphorically) become one with the road. But just in case you or your bike ever actually meet the pavement, motorcycle insurance is there for you. We'll explain the coverages that can keep you and your bike prepared.
Types of vehicles protected by motorcycle insurance
If you're crazy for bikes, trikes, and sporty rides, we've got good news: no matter your choice, chances are you can cover it with motorcycle insurance.
In addition to standard motorcycles, the following typically can be insured:
- Street-sport bikes
- High-performance bikes
- Limited-production and custom bikes
- Touring and sport-touring bikes
- Vintage bikes
- Motocross bikes
- Off-road/dual-purpose bikes
With so many types of bikes to choose from, there are plenty of chances to revel in the open road — which also means plenty of ways to run into trouble. Not to fear! Outfitting your policy with the right coverages will help you stay protected no matter what arises.
Liability includes bodily injury and property damage protection and is almost always required. If you ever cause an accident with your motorcycle, liability coverage helps protect you from having to pay others' injury or repair bills.
When deciding how much liability insurance to get, a good rule of thumb is to get as much protection as you can comfortably afford. It's also important to know your surroundings and riding ability. For instance, someone who lives in a crowded city and is new to motorcycles will probably want higher limits than someone who lives in a rural area and has years of experience.
Comprehensive and collision coverage
While liability is all about covering the other driver's expenses after an accident, collision coverage helps repair your bike if you cause an accident.
Comprehensive coverage, on the other hand, kicks in after a non-collision incident such as a stolen motorcycle or that dead tree limb crashing down on your ride. Comprehensive can help pay the damage or even replace your motorcycle altogether.
For both of these coverages, you select a deductible and we cover any costs that surpass it.
Medical payments coverage
If you're getting a motorcycle, you're probably already aware of the unique injury risks that go along with it (so we'll spare you any lectures). Just know that having an adequate amount of medical payments coverage can be a lifesaver after an accident, especially if you don't have health insurance or your plan doesn't cover all your needs. This coverage kicks in regardless of who caused the incident.
You can typically use medical payments coverage on accident injuries that occurred within the past 3 years. Some plans might require you to reach your health insurance limit before tapping into medical payments coverage.
Optional equipment coverage
Adding personal touches to your bike is a great way to enhance your riding experience. But these customizations don't come cheap — so you'll likely want to protect them, just like the rest of your ride.
Customized parts and equipment coverage (also called accessory coverage) can provide up to $30,000 worth of protection for most bike models less than 25 years old whose resale values are listed in the National Automobile Dealers Association appraisal guide. These settlements are based on the actual cash value (original value minus depreciation) of the motorcycle.
In most states, you'll receive an automatic $3,000 in accessory coverage just for purchasing collision or comprehensive (sweet).
Uninsured/underinsured motorist coverage
While a motorcycle's small size makes it fun and sporty, it can also make it tough to spot. So what happens if an uninsured or underinsured driver fails to see you at an intersection and runs into your bike?
If you have UM protection, it will kick in to cover your property damage, injury bills, and even extra stuff like lost wages if the at-fault driver has no liability protection (or not enough). Choose limits high enough so you're confident of being covered in any loss.
Towing and labor coverage
This coverage kicks in if you're stranded, your bike breaks down, or you need a tow. It can even cover labor costs if the mishap is due to any of the following:
- Dead battery
- Flat tire
- Lost keys
- Low fluid (including fuel)
- Bike is stuck within 100 feet of roadway
Get a motorcycle insurance quote
Ready to buy a motorcycle insurance policy or adjust your coverages? Grab a quote today to get the wheels in motion. Or give us a call at 1-866-455-1980.
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This page is intended to provide you with general information about motorcycle insurance, and to help you understand the various kinds of coverage. It does not describe or refer to any specific policy or coverage. For information about your particular coverages, including limitations and exclusions, we encourage you to read your policy contract and consult your insurance representative with any questions.