Coverages You Need
Protecting a motorcycle is a lot like protecting a car, with a few caveats. Make sure your policy has full coverage for all the below.
For injuries for which no one is at fault, you need medical.
Covers medical bills when no one is obligated to pay for them. Extends to other drivers listed on your policy, members of your household and your passengers....Read More
For injuries and repairs caused by someone without insurance, you need uninsured/underinsured motorist
Despite the legal requirements, some motorists drive without enough (or any) auto insurance. If they cause an accident, this coverage will pay for the gap. Required in some states....Read More
For paying for a loaner vehicle, you need rental reimbursement
If you don’t have another vehicle available and yours is in the shop, you’ll need a rental and won’t have to pay out of pocket with this coverage....Read More
For injury or property damage you cause to others, you need liability.
Covers medical bills and property damage resulting from an accident in which you’re at fault. Most states require a minimum amount of liability coverage....Read More
For injury to your passengers, you need guest passenger liability
Covers your passengers’ medical bills resulting from an accident in which you’re at fault. Most states require a minimum amount of liability coverage....Read More
For repairs to your motorcycle from a traffic accident, you need collision.
Required if you do not own your bike outright. (AKA you have a loan.)
For repairs to your motorcycle from other mishaps, you need comprehensive.
Covers non-traffic accident related mishaps like theft, weather damage or hitting a deer. Required if you finance your vehicle....Read More
For full value motorcycle replacement, you need GAP.
Covers the difference between your bike’s value and the amount you owe. Vehicles depreciate as soon as they’re purchased, so if you total your motorcycle driving it off the lot, you won’t recover the full replacement cost with only collision or comprehensive coverage....Read More
Custom Parts and Equipment
For accessories and customizations, you need custom parts and equipment
Anything added after the motorcycle leaves the factory may not be covered in your base policy. Consider adding this endorsement for any add-ons or customizations....Read More
Towing & Roadside
For help on the road, you need towing & roadside assistance.
Accident or not, emergency roadside assistance can help you when you need a tow or jump, get a flat or run out of gas....Read More