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Gear Up with Motorcycle Insurance

Although the types of coverage and limits vary state-by-state, most states require motorcycle owners to carry Auto Liability insurance, which provides important protection for you, your family, and your personal assets.

Basic Motorcycle Coverages

  • Liability coverage offers protection against claims for property damage and bodily injury to a third party caused accidentally by you or a member of your household while operating your bike. This coverage applies only if the driver is legally responsible for the damage.
  • Medical Payments coverage provides payment for reasonable medical treatment for you or another insured person following a covered accident, regardless of who caused the accident.
  • Uninsured Motorists coverage will pay for injury expenses incurred should you and/or your passengers be involved in an accident with an uninsured motorist.
  • Underinsured Motorists coverage, which varies by state, offers payment for your claims that follow an accident with another driver who is found legally responsible but does not carry enough insurance to cover your expenses. This coverage often applies to payments for bodily injury only, but property damage coverage is available in some states.

Damage to Your Motorcycle

  • Collision coverage pays for damage to your bike caused by accidental impact with another vehicle or object.
  • Comprehensive coverage protects your bike from damages caused by any mishap other than a collision, including broken glass, fallen objects, fire, theft, flood, and vandalism.

Damages not typically covered include normal wear and tear, mechanical and electrical breakdowns, and flat tires.

Optional Coverages

  • Towing and labor coverage pays your towing and labor charges each time your motorcycle becomes disabled.
  • Rental reimbursement coverage covers rental car charges when your motorcycle is damaged by a covered comprehensive or collision claim.

This description of coverage is not an insurance contract. Your policy is the contract that specifies and fully describes your coverage. Conditions and exclusions will apply. Not all coverage described is available in all states.