Standard motorcycle insurance coverages
Bodily injury & property damage liability (BI/PD)
Pays for damages to other vehicles, property (fences, signs, etc.) and injuries to other drivers/motorcyclists and their passengers. This will also pay for legal expenses if you’re sued.
Uninsured/underinsured motorist (UM/UIM)
It’s a common question: what happens if someone who doesn’t have insurance hits you? Sometimes, they’ll pay out of pocket for damages. But if they can’t afford it, you may have to pay. This coverage protects you from that and pays for damages to your motorcycle, your injuries/medical bills and any lost wages if you can’t work.
Comprehensive & collision
Pays to repair or replace your motorcycle if it’s stolen or damaged. Instead of choosing a dollar amount, you pick a deductible (the portion you pay). So, if you have a claim for $2,000 worth of damage and you have a $500 deductible, you pay $500 out of pocket (we’ll pay the rest).
Pays for your medical bills (or your passengers’) if you’re in an accident, regardless of who is at fault. You can pick a range of coverage limits. In some states, this coverage will kick in once your health insurance limits are reached.
Extra coverage you can add
Total loss coverage for a brand new bike
Available if your bike is no more than one model year old. If it’s totaled within 3 model years, we will give you the full amount for a brand new motorcycle. Let’s say that you bought a bike for $15,000, and it’s now only worth $10,000. If it’s totaled, it’s going to cost $15,000+ for a new bike. We’ll give you the full $15,000+ for the new model. That’s a $5,000 difference. If your bike is totaled when it’s outside the three-model year window, you’ll still get the actual cash value for what it’s currently worth.
If you get stuck or your bike is disabled, we’ll tow it to the nearest repair shop for free. You just have to be within 100 feet of the road. You can also add trip interruption to pay for food and lodging expenses up to $500 if you’re away from home (you must have roadside assistance first then add trip interruption).
Carried contents and personal belongings
Covers personal belongings that you carry on your bike if they’re damaged, stolen or lost. This can include phones, camping gear, hunting gear or anything else that could fall off your bike.