These wide-ranging additional coverages we offer riders in your northern neck of the woods can really save the day if you ever need to file a claim.
This helps repair your bike if you have an accident with other motorists or run into trees, signs, parked cars, or other hazards. Plus, you can get up to $500 to repair or replace a helmet damaged in a covered accident.
Comprehensive goes toward repairing or replacing your bike after non-collision incidents, like getting struck by falling debris, suffering vandalism, or having your bike stolen.
Medical payments coverage
Getting stuck with a flurry of injury bills can be a major concern for riders who've had an accident, especially those with less-than-ideal health insurance. With medical payments coverage, you'll have peace of mind knowing you and your passengers can get the help you need after an accident, so you can ride worry-free.
Enhanced injury protection
By adding medical payments coverage, you qualify for enhanced injury protection as well. This provides even more help when recovering from accidents, including income replacement in case injuries leave you temporarily unable to work.
Uninsured/underinsured motorist coverage
Nearly 1 out of every 7 drivers in the Gopher State is uninsured. With odds like that, it definitely pays to protect yourself and your savings. Thankfully, with UM/UIM coverage you can avoid unjust injury bills if you're struck by a driver with insufficient or nonexistent insurance.
Optional equipment coverage
For road warriors, equipment and accessories are as essential to riding as the bike itself. When you select collision and comprehensive coverages, you automatically get $3,000 in optional equipment coverage to protect things like saddlebags and engine modifications. You can even get funds for some fresh riding apparel if your current stuff is damaged in a collision.
Personal contents coverage
If items kept in your motorcycle, such as electronic devices or safety gear, are damaged or stolen, personal contents coverage can help repair or replace them.
You must have collision and comprehensive to add this coverage.
Transport trailer coverage
Use this coverage to get the repairs you need if your trailer is damaged while towing your bike or off-road vehicle.
Trip interruption coverage
If you have a covered incident or mechanical failure with your motorcycle over 100 miles from home, you can get:
- $100 for lodging
- $50 for alternate transportation
- $50 for food
And you can get these each day until your bike is fixed ($500 limit).