Learn more about motorcycle insurance coverage

Bodily Injury & Property Damage Liability

Bodily Injury and Property Damage Liability covers your legal liability for a covered accident that involves injury to another person or damage to someone's property, up to the limit of liability you select.

Comprehensive & Collision

Comprehensive and Collision coverage pays to repair or replace your motorcycle if it is stolen or damaged in an accident, regardless of who is at fault. For each coverage, you select a deductible that you pay out of pocket. Your insurance company pays for the remaining damage. With Collision coverage, your insurance company pays for damage to your motorcycle when you collide with another vehicle or object. If you hit a car, a pole or another nonliving object, Collision coverage will apply.

With Comprehensive coverage, your insurance company pays for damage to your motorcycle caused by an event other than a collision, such as fire, theft or vandalism. If you hit an animal, or if your motorcycle is flooded or stolen, Comprehensive coverage will apply.

Uninsured/Underinsured Motorist

When the person at fault for an accident does not have insurance, Uninsured Motorist Bodily Injury will cover injuries and damages you incur that the at-fault party is legally liable for, such as medical treatment and lost wages. If your injury expenses exceed the at-fault party's Liability limits, you can use Underinsured Motorist Bodily Injury coverage to pay for the amount not covered by the at-fault person's insurance. Similar to Uninsured Motorist coverage, Underinsured Motorist coverage is designed to cover the gap between the other person's Liability limits and the amount of your injury expenses, up to the Underinsured Motorist limits you select.

If the driver or owner of a vehicle is legally liable for an accident but does not have insurance or does not have enough insurance, you can use Uninsured/Underinsured Motorist Property Damage (UMPD) to cover damage to your insured motorcycle, up to the limits you select. In some states, UMPD is available as an alternative to Collision coverage. Certain exclusions may apply. Refer to your policy.

Medical Payments

Medical Payments (MedPay) coverage pays the cost of necessary medical care you receive as a result of a motorcycle accident and can be used regardless of who is at fault. MedPay often is limited to medical treatment received within the first three years after an accident and is limited to a specific dollar amount. In some states, MedPay only applies after other medical insurance is exhausted.

Custom Parts & Equipment

When you purchase Comprehensive or Collision coverage, at least $1,000 of Custom Parts and Equipment (CPE)/Accessory coverage is included in most states. Additional CPE coverage can be purchased to cover equipment, up to $30,000 in value. CPE covers equipment, devices, accessories, enhancements and changes, other than those that the manufacturer originally installs, that alter the appearance or performance of a motorcycle or off-road vehicle. This includes, but is not limited to:

• Any electronic equipment, antennas and other devices used exclusively to send or receive audio, visual or data signals or play back recorded media, other than those that the manufacturer originally installs, that are permanently installed on the motorcycle or off-road vehicle using bolts or brackets, including slide-out brackets
• Sidecars (when attached to the insured cycle)
• Trailers designed to be pulled behind a motorcycle or off-road vehicle (when attached to the insured cycle)
• Trike conversion kits
• Custom paint, custom plating or custom exhaust
• Mower blades, plow blades or winches
• Safety riding apparel, including helmets. (Coverage is provided in the event of a Collision loss. Theft is not covered.)

Please note: We recommended you retain photos of the motorcycle and all receipts for custom parts and equipment.

Roadside Assistance

Roadside Assistance coverage provides towing to the nearest qualified repair facility and necessary labor at the place of breakdown when your motorcycle or off-road vehicle is disabled due to any of the following:

• Mechanical or electrical breakdown
• Dead battery
• Flat tire
• Lockout
• Insufficient supply of fuel, oil, water or other fluids
  
• Entrapment in snow, mud, water or sand within 100 feet of the roadway
• This coverage extends to trailers being towed by a motorcycle. Immediate sign and drive assistance means you have no out-of-pocket expenses — just sign the receipt and you're back on your way. Roadside Assistance is available 24/7.

Roadside Assistance is included with Comprehensive coverage for most Harley-Davidson and touring motorcycles at no charge, and can be purchased for a nominal fee for all other bikes.

Please contact our office so that we can discuss your options in greater detail.