Motorcycle Insurance

Just like your car insurance, in the event you are in an accident, you can be held responsible for injury or damage caused by the accident. We can help you decide on the best possible coverages that will protect you and your motorcycle from an unfortunate accident or loss of you bike.

Coverages

🛡️ Liability Coverage
- Bodily Injury Liability
  - Pays for medical expenses.
  - Covers lost wages.
  - Applies when you are at fault.
  - Covers other driver’s injury or death.
  - Passenger coverage varies by state.
- Property Damage Liability
  - Pays for property damage.
  - Applies when you are at fault.
  - Covers vehicles and private residences.
  - Covers storefronts and structures.
🏥 Medical & Personal Protection
- Medical Payments
  - Covers necessary medical expenses.
  - Protects you and your passengers.
  - Includes ambulance rides and x-rays.
- Personal Injury Protection (PIP)
  - Reimbursement for medical expenses.
  - Covers lost income and funeral costs.
  - Covers childcare if hurt in accident.
- Uninsured/Underinsured Motorist
  - Covers injuries from at-fault uninsured drivers.
  - Protects you and your passengers.
  - Requirements vary by state.
🏍️ Vehicle Damage Coverage
- Collision Coverage
  - Covers your motorcycle damages.
  - Triggers during crash with objects.
  - Includes cars, trees, or buildings.
- Comprehensive Coverage
  - Covers non-crash damages.
  - Includes flooding, wind, and vandalism.
  - Protects against vehicle theft.
  - Pays up to actual cash value.
  - Choice of deductible available.
- Lease/Loan Gap
  - Pays value vs. loan difference.
  - Triggers if bike is totaled or stolen.
  - Requires comprehensive and collision coverage.
🛠️ Roadside & Equipment Extras
- Towing and Labor
  - Reimburses towing and labor costs.
  - Triggers during breakdown or accident.
  - Automatic for Harley-Davidson and Touring models.
  - Available for purchase on other bikes.
- Rental Reimbursement
  - Covers rental vehicle costs.
  - Triggers during theft or shop repairs.
- Trailer Damage Coverage
  - Covers transport trailer and motorcycle.
  - Protects against collision and rollover.
  - Covers earthquakes, vandalism, and man-made losses.
- Optional / Added Equipment
  - Includes $1,000 automatic upgrade coverage.
  - Extra coverage available up to $30,000.