Motorcycle Insurance

Liability insurance covers bodily injury and property damage that you may cause to others in an accident. This includes:

• Bodily Injury Liability: Covers medical bills, lost wages, and pain and suffering for other parties involved, including your passenger.
• Property Damage Liability: Pays for repairing damage to other people’s property, such as vehicles, homes, and fences.

Accident benefits provide financial support if you or other insured individuals are injured or killed in a motorcycle accident. Benefits include:

• Income Replacement: Financial support for those who lose income due to the accident.
• Non-Earner Benefits: Payments for individuals unable to maintain a normal life.
• Caregiver Benefits: Covers expenses if you can no longer act as a primary caregiver.
• Medical and Rehabilitation: Payment for medical, rehabilitation, and attendant care costs.
• Other Expenses: Covers additional expenses related to the accident.
• Funeral Expenses: Financial support for funeral costs.
• Survivor Benefits: Payments to the survivors of a deceased person.

Optional benefits can be purchased to enhance the basic level of accident benefits.

Collision insurance covers damage to your motorcycle if you’re involved in an accident, minus your deductible. It typically includes:

• Coverage for Book Value: Pays for repairs based on the motorcycle’s pre-accident value.

This provides coverage for direct and accidental loss or damage to your motorcycle and its equipment. Options include:

• Specified Perils: Protection against specific risks such as theft or natural disasters.
• Comprehensive: Covers a broad range of non-collision-related damages.
• Collision or Upset: Coverage for damage from collisions or overturning.
• All Perils: A combination of comprehensive and collision coverage.

This coverage protects you if you’re involved in an accident with a driver who either has no insurance or insufficient insurance. It typically covers:

• Medical Treatment: Expenses for necessary medical care.
• Lost Wages: Compensation for lost income due to injuries.
• Other Damages: Covers additional damages caused by the accident.

If you’ve customized your motorcycle, additional or optional equipment coverage is crucial. Most standard policies cover only factory parts, so this coverage protects any aftermarket modifications or accessories.

This coverage allows you to claim damages from your own insurance company under certain conditions, even if another motorist is at fault. It covers damage to your motorcycle and any property it is carrying.