Coverage

Choosing the right insurance policy is much like choosing the right bike. You want it to fit your needs and lifestyle, but at the same time be within your budget. The key to finding which coverage is best for you involves learning about all the options available.

Collision Coverage

Collision insurance covers damage to your motorcycle if you are involved in an accident. Your insurance company pays for damages, minus your deductible, caused when you collide with another vehicle or object. Collision insurance usually covers the book value of the motorcycle before the loss occurred.

Comprehensive Coverage

Comprehensive coverage pays for damages caused by an event other than a collision, such as fire, theft, or vandalism. However, just like collision coverage, your insurance company will pay for damages, minus your deductible, and cover only the book value of the motorcycle.

Liability

Liability insurance covers bodily injury and property damage that you may cause to other people involved in an accident. It doesn't cover you or your motorcycle. Find out if your coverage includes guest passenger liability, which provides protection in the event that a passenger is injured on the motorcycle. Whether or not this is included depends on the laws of your state and the company issuing the policy.

Other Drivers

As long as the operator of the motorcycle is properly licensed and has your permission to operate the motorcycle, they are covered.

Passenger Coverage

In most cases your passenger is covered under the included guest passenger liability insurance. The limits of coverage for your passenger are the same as your chosen bodily injury liability limits. Be sure to check with one of our staff for specifics that apply to your policy.

Uninsured or Underinsured Motorist

Uninsured motorist coverage pays for medical treatment, lost wages, and other damages if a driver who has no insurance hits you. If your uninsured motorist coverage includes property damage, then your cycle would also be covered under the same circumstances. Check with our staff to see if property damage is included or needs to be purchased separately.