In Michigan, motorcycle insurance is mandatory for all riders and includes specific liability coverage requirements. Motorcyclists must have a minimum of $50,000 bodily injury liability per person and $100,000 per accident, along with $10,000 for property damage. Additionally, riders without helmets are required to have first-party medical benefits coverage.
There are coverage options for a variety of motorcycle styles – and an option to bundle coverage with home and auto to help you save money. Plus, you’ll get peace of mind for protecting you, and your ride.
Several coverage options include –
Custom and chrome coverage -Coverage for custom equipment, which includes saddlebags, fairings, windshields, luggage racks, custom plating, chrome, decals and sidecars that are not original manufacturer equipment.
Rider safety apparel -Coverage for safety apparel, which includes helmets, riding clothing, boots, gloves, eyewear and earwear worn by you or your passenger.
Original equipment and mechanical parts – Coverage for original equipment manufacturer’s parts and for mechanical parts.
Personal effects – Protection for items you may carry while you ride.
Roadside assistance – Towing and roadside services for a disabled motorcycle, with a higher coverage limit when using our preferred provider.
New and newer bike replacement – In the event of a total loss, this replaces the cost of your motorcycle within one year from the date of purchase or up to 120% of a motorcycle’s actual cash value for a motorcycle one model year newer.
Trip interruption – Pays up to $600 for necessary expenses, such as lodging, food, and alternate travel costs, when your motorcycle is damaged due to a covered loss away from home.
Electronic equipment coverage – Coverage for electronic equipment that is not original to the motorcycle up to a certain amount, including radios, stereos and navigation systems.
Deductible dividends – Reduces your motorcycle’s collision deductible right away and for every year free of surchargeable accidents or collision losses, up to a certain limit.
Second chance accident forgiveness – Your first surchargeable accident is forgiven in a certain month long period.
