Motorcycle faqs

Motorcycle FAQs

Have questions about our motorcycle insurance coverages and how we can protect your two-wheeled dreams? We’re here to help. Here are some common questions riders like you ask:

  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. Connect with an agent today.
  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 should the unexpected occur. Think of it as peace of mind for the open road!

  5. You bet. Theft of an insured cycle is covered. And our motorcycle policy also includes coverage for theft of personal property, including your safety riding apparel.
  6. Yes, your bodily injury liability limit includes coverage for injuries to passengers, unless you choose to exclude the coverage — which is only allowed in certain states. Talk to your agent if you’d like to learn more! They’re always happy to help.

  7. We know no two riders are alike, and neither are their motorcycles! So we offer protection for a variety of bikes including standard motorcycles, mopeds, and motorized scooters. However, there are some exclusions when it comes to custom or high-value motorcycles and motorcycles designed specifically for racing. If you think your motorcycle might fall under one of those categories, connect with your agent to learn more about how we can protect your two-wheels.

  8. Good question. If you’re looking to customize your bike to fit your unique lifestyle, that’s great! But, once the work is done, make sure to get it appraised and share the new value of your ride with your agent. This way they can ensure you’ve got the appropriate amount of coverage for your motorcycle.

    We also highly recommend that if you add on, replace or remove any parts from your bike, you make sure it’s street legal before you hit the roads. Failing to adhere to your state’s laws won’t necessarily affect your eligibility to get a claim paid out should the unexpected occur, but putting safety first will help you avoid any bumps in the road and keep you riding for years to come.

  9. Absolutely! Emergency Roadside Assistance is a smart, inexpensive coverage that can be added on to your motorcycle policy. Talk to your agent today to make sure you’ve got access to help anytime, anywhere should the unexpected happen. We’ll help you get back on the road to your dreams in no time.
  10. Great question. At American Family, we believe safety should come first when you hit the road, so we do offer protection for your riding gear! Get up to $1,000 of safety apparel coverage for your helmet, boots and other gear and ride on with style. Your agent is happy to explain what types of riding gear qualify for this protection.
  11. The short answer — it really depends. Based on the type of accident and the party at fault, your rates may go up because of an accident.

    However, we offer Earned Accident Forgiveness with your motorcycle insurance policy! That means if you’ve got a clean driving record and have proof of 5 years’ worth of prior insurance, we’ll forgive your first at-fault accident and will not raise your rate.

  12. Having the right kind of motorcycle insurance shows you care about protecting your dreams. And we want to reward you for your dedication! That’s why we offer a variety of discounts to help you free up funds to pursue your dreams on the open road. Check out our most common discounts and talk to your agent to learn more about all the ways you can save.