motorcycle policy

What Coverages are Included with a Motorcycle Policy?

Choosing the right insurance coverages for your motorcycle can be confusing.  There are a wide range of coverages to give you peace of mind and protect your bike. Many of these coverage types are automatically included at no extra cost on your insurance policy.

Some examples of coverages that are automatically included in the standard motorcycle policy include:

  • Bodily injury and property damage liability (BI/PD) – Pays for damages to other vehicles and injuries to others if you’re liable in a motorcycle accident, as well as legal expenses if you’re sued.
  • Uninsured/underinsured motorist (UM/UIM) – may pay for your medical bills, damages to your motorcycle, and lost wages if you can’t work if the person who hit you does not have enough insurance coverage.
  • Medical payments – Pays for you and your passengers’ medical bills if you’re in an accident, regardless of fault.
  • Full replacement cost and no depreciation for parts
  • Accessories and custom parts/equipment (CPE)

Coverages that can be added to your policy to customize your protection are:

  • Comprehensive and Collision – Comprehensive pays to repair or replace your motorcycle if it’s stolen, vandalized or damaged in a fire or collision with an animal. Collision coverage pays to repair or replace your bike if its damaged in an accident. These coverages have a deductible.
  • Total loss coverage for a new motorcycle
  • Roadside assistance – If your bike is disabled anywhere in the United States or Canada, our roadside assistance program will tow your bike to the nearest repair shop for free.
  • Trip Interruption – pay for food, hotel, or transportation up to a specified amount if you’re away from home.
  • OEM parts – If you have Original Equipment Manufacturer (OEM) parts in your bike, we’ll always use OEM parts in repairs.

Speak with an agent at Professional Underwriters today to customize your motorcycle insurance policy.

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