Motorcycle faqs
Motorcycle FAQs
  1. Every rider is unique. That’s why we provide so many coverage options. Take a look at the protection possibilities:

    • Bodily Injury and Property Damage Liability, and Passenger Liability: Covers you if you're at fault for an accident that injures another person or damages someone else’s property, up to the limits you select.
    • Comprehensive & Collision: Pays to repair or replace your motorcycle if it's stolen or damaged in an accident, regardless of fault. For both coverages you select a deductible that you pay out of pocket. We pay for the remaining damage.
    • Customization Coverage: Provides at least $3,000 of coverage for your custom parts and equipment. Up to $30,000 of additional coverage can be purchased.
    • Medical Expense: Covers the cost of necessary medical care you receive as the result of a motorcycle accident and can be used regardless of fault. Medical Expense coverage 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, medical expense only applies after other medical insurance is exhausted.
    • Uninsured/Underinsured Motorist: When the person at fault for an accident doesn't have insurance, or enough insurance, this coverage pays for your injuries and damages the at-fault party is legally liable for, such as medical treatment and lost wages.
    • Emergency Roadside Service: This coverage pays reasonable costs incurred due to a breakdown or disablement of your insured motorcycle. These costs may include:
      • Mechanical labor at the place of breakdown
      • Towing to a repair shop
      • Delivery of gas or oil
      • Cost of labor for change of tire
  2. Great question! There are several factors that determine the amount of coverage you need, including the value of your motorcycle, how much you ride, where you live and ride, bike accessories, personal risk tolerance, state requirements, and more. It might seem like a lot to think about. That’s why we’re here. We’ll help you find just the right coverage for your lifestyle and budget.
  3. For the most part – yes. Most states require you have it. Specific requirements, however, vary from state to state.  Talk to your agent about requirements for your state – they’d be glad to help!
  4. Accidents happen, and they can be disruptive and costly. Motorcycle insurance can help reduce or eliminate your financial burden. Think of it as peace of mind for the open road.

  5. You bet. Theft of an insured cycle is covered. Our motorcycle policy also includes coverage for theft of personal property, including safety riding apparel.
  6. Yes, your bodily injury liability limit includes coverage for injuries to passengers, unless you choose to exclude the coverage where allowed by state law.