Motorcycle Insurance - Smart Protection
You know the risks are out there: a deer crossing the street in a blind curve; drivers neglecting to check their blind spot or traveling too fast through an intersection. Motorcycle riders see these dangers each time they ride.
You can’t prevent an accident from happening, but you can be prepared. Some of the important measures that can make a difference include taking a motorcycle safety course, wearing protective gear, and making sure you have adequate motorcycle insurance.
Frequently Asked Questions About Motorcycle Insurance
What is motorcycle insurance?
Motorcycle insurance can provide physical damage coverage for your motorcycle, liability for injury or property damage you may cause, claims for uninsured and underinsured motorists, and medical payments. Other optional coverages are available.
Does my policy cover upgrades to my motorcycle?
If you have comprehensive coverage, your policy provides $3,000 for custom equipment such as handlebars, bags, and stereo equipment. Additional coverage up to $30,000 can be purchased.
Can I cancel my policy during the "off season"?
All states require liability coverage if a motorcycle is tagged, even during the off season. Your bike is still susceptible to fire, theft, and vandalism while being stored. If coverage is not carried you would pay for repairs and replacement out of pocket.
Is my riding gear covered?
If comprehensive and or collision coverage is selected your policy will pay to replace protective riding gear up to $3,000.
Are my passengers covered?
Motorcycle insurance provides guest passenger bodily injury coverage up to the policy limits selected.
Can you put trailer coverage on a motorcycle policy?
If a trailer is used to transport the motorcycle you can purchase physical damage coverage for the trailer.