For our clients, motorcycles aren’t just transportation; they’re a way of life. We understand motorcycle insurance because we love motorcycles too. Let us help you save money and protect your bike!
What is Motorcycle Insurance?
Motorcycle insurance provides financial protection against physical damage and bodily injury resulting from traffic collisions, as well as liability arising from the actions of the motorcycle driver. Additionally, it offers coverage against theft of the motorcycle and damages not related to traffic collisions.
Motorcycle Insurance Coverages
There are several types of motorcycle insurance coverages to consider, some of which may be legally required while others are optional. Here’s a breakdown of the main coverages available:
| Coverage Type | Description |
|---|---|
| Accessory Coverage | Covers loss, theft, or damage to motorcycle accessories like saddlebags and custom parts. |
| Comprehensive Physical Damage Coverage | Covers physical damage or loss of the motorcycle not resulting from a vehicle collision. |
| Collision Coverage | Pays for damage when the motorcycle hits or is hit by another vehicle or object. |
| Bodily Injury Liability Coverage | Covers damages for bodily injury or death from accidents where you are at fault, including passengers. |
| Property Damage Liability Coverage | Covers damages for physical damage from accidents where you are at fault. |
| Medical Payments Coverage | Pays medical expenses for parties riding on the motorcycle involved in an accident. |
| Personal Injury Protection Coverage | Covers medical expenses and, in some cases, lost wages; paid without regard to legal liability (available in some states). |
| Uninsured/Underinsured Motorist Coverage | Provides damages for injuries from an uninsured or negligent driver, covering the difference between what they can pay and what you would be entitled to. |
| Motorcycle Roadside Assistance Coverage | Offers roadside assistance for mechanical failures that leave the motorcycle operator stranded. |
Understanding these coverages will help you select the right policy that meets your riding lifestyle and legal requirements.
Get Your Quote Today
Ready to explore your motorcycle insurance options? Contact us to learn more about the right motorcycle insurance for you. We’re here to help you find a policy that protects your ride and fits your budget.