Motorcycle Insurance– Anytime you’re on the road, there’s always a chance you might get injured. One of the most important things you can do is make sure your motorcycle insurance coverage can help with medical bills if you should get into an accident. We offer a comprehensive array of options to help provide peace of mind for every ride.
If you have a serious or fatal covered accident, this coverage can provide cash benefits to you or your family – regardless of who was at fault.
Medical Payments typically cover reasonable and necessary medical expenses that are the result of any injury to you or your passengers. Some examples of expenses that might be covered include ambulance, hospital, x-ray, dental, and surgical.
Personal Injury Protection
If you’re hurt in an accident, or worse, expenses add up faster than you imagine. That’s where this coverage can help, with reimbursements for medical and hospital expenses, lost income, services you normally do for yourself, child care or funeral expenses.
You’re typically covered regardless of who was at fault. Personal Injury Protection is only available in certain states.
When you take care of your bike, it should take care of you. Consider these three kinds of motorcycle insurance coverage that gets your bike back on the road.
1.Collision- Damage to your motorcycle is provided. This covers damages to your motorcycle that result from a collision with another object, which could include another car or motorcycle, a tree, or a building.
2. Comprehensive- Comprehensive Coverage typically covers your bike if it’s damaged by flooding, theft, vandalism, wind or any other reason that doesn’t involve a crash with another vehicle.
You get to choose the amount of your deductible (the amount you pay before eligible coverage kicks in). Comprehensive Coverage typically covers the cost of repairing or replacing your bike, up to the actual cash value.
3. Uninsured/Underinsured Motorist Bodily Injury-If an accident isn’t your fault, you don’t want to pay for the other rider’s mistake, especially if he or she doesn’t have enough insurance coverage or any at all. This coverage typically covers damages that result from the injury or death of you or a passenger on your motorcycle caused by an uninsured or underinsured driver. Different states have different requirements for which coverage to have and how much.
If you’re in an accident, there’s a good chance someone else was involved. And if you’re at fault, you’ll want strong motorcycle liability insurance.
Optional Coverage for Custom Parts
Coverage is provided for the after-market parts that make your bike unique, like crash bars and custom seats.
Towing and Labor Costs
Usually reimburses you (up to the applicable limit) for getting your bike to the shop if it breaks down or is in accident. This coverage is automatically included for Harley-Davidson, Touring and Touring Sport bikes.
Motorcycle and Off-Road Vehicle Transport Trailer Damage Insurance
Covers damage and loss of your trailer and motorcycle resulting from collision, rollover and most natural and man-made losses such as earthquakes and vandalism.