Motorcycle Insurance

For Whatever Awaits

You know the risks: a deer crossing the street in a blind curve; drivers neglecting to check their blind spot or traveling too fast through an intersection. Motorcycle riders see these dangers all the time.

Couple rides Harley trike by lake. By Litsam (Own work) [CC BY-SA 3.0 (], via Wikimedia Commons

You can’t prevent an accident, but you can prepare for it. Taking a motorcycle safety course, wearing protective gear, and getting appropriate motorcycle insurance can all protect you in case something happens.

What kind of policy do you need?

And how much coverage should you buy? Just like cars and trucks, most states requires motorcyclists to carry liability insurance for personal and property damage in case they are at fault for an accident. Liability coverage has three forms: bodily liability for one person, bodily liability for all people involved, and property liability.

If you cause an accident and someone is injured, the bodily liability would cover the costs of treatment for that person.


What about uninsured and underinsured coverage?

Should you be purchasing uninsured and underinsured coverage in case you are in an accident caused by someone else who does not have the means to pay your expenses? Should you consider an umbrella liability policy? Do you know what kind of coverage you need if you travel with your motorcycle out of state?

Insurance can be confusing. Reviewing policies with our experienced professionals can show you what your plan covers and what it doesn't.


Additional Coverage

  • Accessories: You can cover any enhancements or upgrades you've made to the bike. Keeping receipts and taking photos helps document your investments.
  • Collision: If your motorcycle is damaged in an accident, regardless of who's at fault, collision coverage pays for repair or replacement.
  • Comprehensive: Sometimes known as “other than collision,” comprehensive covers damage not caused by an accident with another vehicle, such as: weather damage, theft and vandalism, collisions with animals, medical bills, and issues with uninsured/underinsured motorists.

Got questions or need a quote? Drop us a line.