Motorcycle coverages

If the unfortunate happens and you cause an accident where others get hurt, minimally or even fatally, bodily injury liability coverage can help protect you. It can help pay for lost wages, pain and suffering, medical bills, and funeral expenses.

Did you hit something on your bike? Did it tip over? A liability-only policy may not cover the cost of all your damage expenses—you can get the extra protection you want with our collision coverage.

Accident damage can be expensive to repair. Comprehensive insurance coverage can help cover the costs to fix your motorcycle when it's damaged by something that wasn't a collision: theft, vandalism, hitting an animal, and some weather events such as hailstorms.

If you like bringing someone along on your motorcycle trips, you may want to consider our guest passenger insurance coverage. It can help provide medical coverage for bodily injuries if your passenger is hurt in an at-fault accident.

When you’re on the open road, there’s always the risk of an accident – and getting hurt in a crash can be costly. Medical expense coverage can help both you and your passenger with medical costs and medical bills.

Our optional/special equipment motorcycle insurance coverage helps protect against damage or loss of aftermarket parts. This can help pay the difference between the optional equipment’s value and the standard equipment it replaces.

With personal injury protection coverage, any medical cost for you and any other eligible person are covered—no matter who’s at fault. This coverage can apply to non-medical expenses like lost wages. This coverage isn’t offered in some states.

If your bike is damaged in a collision, you want to make sure it’s getting the proper replacement parts. When you have Physical Damage Plus motorcycle insurance coverage, genuine original manufacturer replacement parts can return your bike to like-new.

If you cause an accident that damages another person's property, this coverage can help protect you. But be aware: it won't cover any damages to your own property.

The good news is your bike is being repaired after an accident. The bad news? You have no way to get to work. Rental reimbursement insurance coverage gives you money to put toward an eligible rental to keep your life moving.

If your bike is three years old or newer and is a total loss after an accident, replacement cost insurance coverage pays for a new bike—including your optional equipment.

You never expect it, but equipment can fail. If you’re on the open road and have a mechanical or electrical breakdown, roadside assistance kicks in. It provides a toll-free, 24-hour towing and roadside service to help you handle:

• Empty gas tank

• Dead battery

• Lost key

• Flat tire

• Low oil, fluids, or coolant

You’ve been in a collision. The other driver is at fault and has insurance, but they are underinsured and their insurance policy isn’t enough to cover your injuries. This coverage can provide injury protection—up to your coverage limits—for medical costs that you and your passenger might have.

Like underinsured motorist bodily injury, this coverage can provide protection up to your coverage limits for damage to your bike that the at-fault driver’s vehicle insurance doesn’t cover.

Uninsured motorist bodily injury coverage can help pay the cost of medical bills from an injury you suffer in an accident caused by the owner or operator of an uninsured motor vehicle.

This coverage provides protection to your insured motorcycle when it’s damaged as a result of a collision where an uninsured driver is at fault.