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Motorcycle Insurance

  • A motorcycle policy generally covers the cost of injuries to others and damage to their property when you’re at fault. Your own motorcycle can be covered for unexpected events such as theft, fire and damaging weather. Collision coverage pays for damage to your motorcycle if you hit another vehicle or an object.

 

  • Liability insurance covers bodily injury and property damage that you may cause to other people involved in an accident. It doesn’t cover injury to you or damage to your motorcycle. Guest Passenger Liability, which provides protection in the event that a passenger is injured on your motorcycle, may also be available to you, depending on state laws and the company issuing your policy.
  • Motorcycle collision insurance covers damage to your motorcycle if you are involved in a collision with another vehicle. Your insurance company pays for damages (usually the book value of your bike before the loss occurred), minus your deductible.
  • Comprehensive coverage pays for damages caused by an event other than a collision, such as fire, theft or vandalism. Like collision coverage, your insurance company will pay for damages, minus your deductible, and will cover only the book value of the motorcycle.