Motorcycle Insurance

Liability is defined as the legal responsibility for injury to another or damage to their property

Bodily injury means bodily harm and includes medical expenses, all necessary costs of medical treatment for injury

Property damage means damage to or destruction of property including the cost to repair the damage, when property is economically repairable

Medical Payments is a “no-fault” coverage. It pays for people being hurt in car accidents, regardless of fault

Uninsured/Underinsured Motorists Coverage is liability coverage that the policyholder purchases in case other people negligently injure the policyholder and/or damage the vehicle with their car and do not carry any, or not enough, car insurance

Impact of the motorcycle with another vehicle or object, this includes hitting something with the vehicle or the vehicle getting hit by something else, whether moving or stationary.

Comperhensive specifically includes, but is not limited to, the following causes of loss:

• Contact with a bird or animal
• Missiles or falling objects
• Fire
• Theft or larceny, When a covered auto is stolen and then wrecked by the thieves, theft is considered the proximate cause, not collision.
• Explosion or earthquake
• Windstorm
• Hail, water or flood
• Malicious mischief or vandalism
• Riot or civil commotion
• Breakage of glass, If the insured has glass broken in a collision, they can choose to cover the glass under collision, so they don’t have to pay a second deductible on their other than collision coverage on the glass.

Ask an agent about: 

• Equipment coverage
• Trip interruption
• Towing and labor 
• Roadside assistance
• Gap