What Is Motorcycle Insurance?
Motorcycle insurance covers many types of bikes, so even if you’re looking for specific coverage - like Scooter insurance, Motorcross insurance, Dirt Bike insurance, Moped insurance, Classic motorcycle insurance, or Trike insurance - a motorcycle insurance policy is what you need.
Bodily Injury & Property Damage Liability (BI/PD)
BI/PD covers you if you're at fault for an accident that injures another person or damages someone's property, up to the limits you select.
Comprehensive & Collision
This motorcycle insurance coverage pays to repair or replace your motorcycle if it's stolen or damaged in an accident, regardless of who is at fault. For each coverage, you select a deductible that you pay out of pocket. We pay for the remaining damage.
Uninsured / Underinsured Motorist (UM/UIM)
When the person at fault for an accident doesn't have insurance or doesn't have enough insurance, UM/UIM will cover your injuries and damages that the at-fault party is legally liable for, such as medical treatment and lost wages.
MedPay covers the cost of necessary medical care you receive as the result of a motorcycle accident and can be used regardless of who is at fault. MedPay often is limited to medical treatment received within the first three years after an accident and is limited to a specific dollar amount. In some states, MedPay only applies after other medical insurance is exhausted.
Custom Parts & Equipment
When you purchase Comprehensive or Collision motorcycle insurance coverage, at least $3,000 of Accessory coverage for your custom parts and equipment is included in most states. Up to $30,000 of additional Accessory coverage can be purchased to cover custom parts that exceed the included value.
If your motorcycle breaks down, Roadside Assistance will pay to tow it to the nearest qualified repair facility. Roadside Assistance also covers the necessary labor costs at the place of breakdown when your motorcycle or off-road vehicle is disabled due to any of the following:
- Mechanical or electrical breakdown
- Dead battery
- Flat tire
- Insufficient supply of fuel, oil, water, or other fluids
- Entrapment in snow, mud, water, or sand within 100 feet of the roadway