Motorcycle
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Comprehensive and Collision
- You choose your deductible for each coverage item. Once the deductible is met, the insurance company will pay the balance in full.
- Covers the cost of damages when you collide with another vehicle or object
- Covers cost of damages as a result of fire, vandalism, or other event besides a collision
- Covers cost to replace if motorcycle is damaged beyond repair or stolen
Bodily Injury and Property Damage Liability
Up to the limit you select, bodily injury and property damage liability will cover your legal liability for injuries or property damage incurred by the party not at fault.
Explanation of Coverage Limits
If you have a policy that reads, 15/30/10 this means:
No more than $15,000 will be paid for bodily injury per person.
No more than $30,000 will be paid for bodily injury per accident.
No more than $10,000 will be paid for property damage per accident.
Uninsured/Underinsured Motorist
If you find yourself in a situation in which the motorist at fault is not insured, then the damages that you incur will be covered by your uninsured motorist bodily injury policy. This includes medical treatments and lost wages.
If you find yourself in a situation in which the cost of your injuries exceeds the liability limits of the motorist at fault then your underinsured motorist bodily injury policy will pay the balance that is not covered by the motorist at fault.
If your motorcycle is damaged by someone who is uninsured, the uninsured motorists property damage policy will cover the cost of the damage to your motorcycle.
Medical Payments
Medical Payments coverage can be used regardless of which party was at fault. This coverage will pay the cost of the necessary medical care you receive as a result of a motorcycle accident. Often, this coverage is limited to treatment you receive within the first 3 years after the accident and can be limited to a specific dollar amount.
Roadside Assistance
This coverage provides towing to the closest qualified repair center and covers on-site labor when your motorcycle is disabled for the following reasons:
- Dead Battery
- Flat Tire
- Lock Out
- Mechanical or Electrical Breakdown
- Low on Fuel, Water, Oil or Other Fluids
- Stuck in Snow, Mud, Water, or Sand Within 100ft of the Road
This coverage, also includes the trailers being towed by a motorcycle.
With this coverage, you simply sign the receipt and drive. You will have no out of pocket expenses.
Roadside assistance is available 24 hours a day, 7 days a week.
Custom Parts and Equipment (CPE)
A CPE policy covers equipment, accessories, enhancements, changes, devices, and other items other than what was originally installed by the manufacturer. These items are meant to alter both the performance and the appearance of the motorcycle. These include the following:
- Trailers Designed to be Pulled Behind the Motorcycle
- Sidecars
- Trike Conversion Kits
- Custom Paint
- Custom Plating
- Custom Exhaust
- Mower Blades, Plow Blades, and Winches
- Safety Riding Apparel (covered when lost due to a collision)
- Any Electronic Equipment that the Manufacturer did not Install that is Permanently Installed using Bolts or Brackets
In most states, when comprehensive or collision coverage is purchased, at least $1,000 of CPE coverage is included. Up to $30,000 of additional CPE coverage can be purchased.
It is recommended that you keep before and after photos of your motorcycle and all receipts.
