Motor powered vehicles come in different forms, sizes and speeds. This is not a comprehensive list of types, but included in the variety of Motorcycles are: Motocross/Dirt Bikes, Scooters, Mopeds, Trike, High Performance, Sport Touring, and Cruiser. With the varying options available, pretty much anyone can ride a motorcycle.

Guy standing on the side of road with motorcycle

Motorcycles bring exciting adventures when you’re on the road, but it also invites various risks. Accidents can be caused by a collision with another vehicle or object, a defect in the roadway, animals, or violation of the motorcyclist’s right-of-way. It doesn’t always have to do with speed, as the average speed of Motorcycle accidents is about 29.8 mph; motorcycle accidents are 8 times more likely to cause injury. Unfortunately, it’s been reported that less than 10% of motorcyclists involved in accidents had any type of medical coverage or property damage liability. Don’t be part of that majority that isn’t covered. Motorcycle insurance can give you the financial coverage that you need for peace of mind when on the road.

Choosing Motorcycle Insurance

motorcycle sitting on the road

For whichever motorcycle type you have, we can recommend a policy that can be customized to your needs. For bikes that have custom or aftermarket parts, you should consider additional coverage because standard policies typically do not cover them. The extra coverage will reduce or eliminate the out-of-pocket costs to replace these parts, depending on your coverage.

The Right Policy Elements for your Motorcycle Insurance

  • Guest Passenger Liability – Some policies don’t include protection for your passenger, under the bodily injury liability coverage; this covers injuries that a passenger might have at the fault of the operator.

  • Custom Parts and Equipment – Aftermarket parts and equipment, not made by the manufacturer, added onto your motorcycle are usually not included or limited in coverage. Some carriers will let you add this coverage to protect your investment in aftermarket upgrades to your bike.

  • Uninsured/Underinsured Motorist – This Motorcycle insurance coverage gives you the financial coverage in the case that another motorist at fault doesn’t have the right insurance in place to compensate you or your passenger.

  • Bodily Injury Liability Coverage – If the insured person is at fault in the motorcycle accident, this can cover things like your passenger’s or other driver’s medical expenses or lost wages due to injuries from the accident.

  • Lease/Loan Gap – In the event that your motorcycle is stolen or totaled before you fully pay it off, this coverage will pay the difference between your motorcycle’s appraised value and what you owe on your lease or loan. Comprehensive and Collision Coverage is required to add on Lease/Loan Gap Coverage.

Be Protected on the Road

Be sure to talk to a Motorcycle Insurance specialist, they can guide you in choosing the right coverage for your riding lifestyle. Whether you need to update your current Motorcycle Insurance policy or get a new one, we will find you the best providers to cover your needs, with your insurance budget in mind.