Let us help you find the right coverage for your bike.
Types of Coverage
Liability Insurance: Most states require motorcyclists to carry liability insurance. This covers bodily harm and property damage you cause to another person or their property. Depending on your location, you may also be able to add Guest Passenger Liability which offers coverage in the event a passenger on your motorcycle is injured.
Collision Insurance: This insurance covers the damages caused to your motorcycle should you collide with another vehicle. Most collision policies pay the blue book value of your bike and have a deductible.
Comprehensive Insurance: Collisions are not the only way to have your bike damaged which is why comprehensive coverage is highly recommended. This covers damages caused by fire, theft, vandalism, etc. You should review your policy for a complete list of covered perils. Similar to collision insurance, this coverage pays the blue book value of your bike and have a deductible.
Customized Parts: Most comprehensive and collision insurance policies cover the blue book value of your motorcycle. If you have customized your bike with chrome parts, accessories (trailers, side cars, etc.) or had custom detailing done talk to your insurance agent about additional coverage options.
Uninsured/Underinsured Motorist Insurance: Most states require a minimum amount of liability insurance for motorcyclists and other vehicles on the road, but what happens if you are in an accident, caused by another vehicle, and the cost of your medical bills is higher than their coverage limits? Or worse yet, they are driving without coverage. Uninsured/Underinsured Motorist Insurance pays for damages to you (medical bills for example). Some policies also include damages to your property.