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Motorcycle Insurance

* The above descriptions are generalizations and should not be relied upon when determining coverage. You must refer to actual policy wording when determining whether or what type of coverage applies

Generally this is coverage needed to cover custom or non-manufacturer installed equipment.

Special Equipment

Pays up to limit selected to rent a replacement vehicle should yours be laid up for repairs as a result of a covered “other than collision” or collision claim. This does not provide coverage if your vehicle is in for mechanical repairs. This coverage is not related to the coverage you need to cover a rental vehicle.

Car Rental

Pays up to limit selected for towing bills or emergency road service as a result of mechanical breakdowns. No deductible applies.

Emergency Road Service

Pays for damage to your auto caused by a collision. Your deductible applies. In cases where your vehicle is parked and hit by a hit and run driver it is a collision claim. This coverage is frequently used even in case of a not at fault accident in order to expedite repairs or in cases where the other driver is uninsured. Towing bills resulting from an accident are covered under collision coverage.

Other Than Collision

Basically the same as uninsured motorist but coverage starts when the other drivers bodily injury limits are exhausted.

Underinsured Motorist (Bodily Injury Only)

Pays damages you are legally entitled to recover because of bodily injury or death caused by uninsured or “hit and run” vehicles. You can rely on your health insurance to cover medical bills. If your health insurance is inadequate this coverage would apply. This coverage would also provide coverage for lost wages and “pain and suffering” damages resulting from the accident.

Uninsured Motorist (Bodily Injury Only

Pays up to policy limits for reasonable medical expenses for you and people in your vehicle incurred within three years of the accident. This coverage was designed to cover the deductible on your health insurance policy.

Medical Payments

Protection against financial loss should your auto damage the property of others and you would be held liable.

Property Damage Liability

Protection against financial loss should your auto injure or kill others and you would be held liable. Basically this would cover the injured person’s medical bills, lost wages and “pain and suffering.” Defense cost coverage would cease once your insurance company paid the limits on your policy. A personal umbrella liability policy could provide an extra $1,000,000 or more in protection over and above your liability limits

Bodily Injury Liability

limit as to how serious these injuries can be. Our best advice is to never take a passenger. When you do take a passenger your entire financial future can be at risk.

Homeowners policies will not cover damage to motorcycles due to specific exclusions in the policies. Never assume that your homeowners policy will provide coverage for a motorcycle that is parked in your garage.  Here is a brief summary of motorcycle insurance coverages:

Motorcycle Insurance is written with basically the same coverages as car insurance. The possible need for special coverage for custom equipment should be addressed when purchasing a cycle policy. Many cycles, referred to as “crotch rockets” appear on restricted lists of insurance companies and will not be written. Be sure to check on the insurance ramifications before committing to buy these types of cycles.

Due to the lack of protection there is a greater risk of a severe injury resulting from a cycle accident. This results in much higher premium charges for medical payments, uninsured motorist and underinsured motorist coverages. Medical payments coverage can be rejected but uninsured and underinsured motorist coverages are required.

The driver is responsible for injuries to a passenger and there is almost no