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Helpful Information
You enjoy the peace of mind that comes with a ride on the open road. Whether you ride the latest model or a tried-and-true classic, you need to protect yourself and your riders from any unexpected bumps. With our help, you can ride easy knowing you've got quality motorcycle insurance at an affordable price.
Features
Your bike fits you perfectly. So should your insurance coverage. You can tweak your Motorcycle policy with a variety of special features.
| Features | |
| First Accident Waiver | Accidents happen. That's why we provide First Accident Waiver as part of our motorcycle policy offering. |
| Optional or Added Equipment | Covers aftermarket items like crash bars, custom seats, sissy bars, windshields and more. With every Motorcycle policy, $1,000 worth of coverage is included when you purchase Comprehensive Coverage. You can also purchase up to an additional $30,000 of coverage to help protect optional equipment you've added to your bike. |
| Lease/Loan Gap | If your bike is stolen or totaled, you're not at a total loss. Gap Coverage pays the difference between the value of your motorcycle and the amount remaining on your loan or lease. You must have Comprehensive and Collision Coverages in order to purchase Gap Coverage. |
| Towing and Labor Costs | If your bike breaks down or you're in an accident, don't worry about the cost of getting it home or to the shop. Towing and Labor Costs Coverage will typically reimburse you (up to the applicable limit) on all Harley-Davidson, Touring and Touring Sport motorcycles. It's also available for all other bikes at an additional cost. |
| Rental Reimbursement | If you purchase this coverage and your motorcycle is damaged or stolen, we'll help cover the cost of renting an automobile. |
Discounts
We offer discounts on motorcycle insurance that rewards you for things you may already do - like riding safely and belonging to a motorcycle organization. Call me to learn about saving money on your annual insurance premium with a variety of discounts.
| Discounts - you may be eligible if . . . | |
| Multiple Motorcycle Discount | ...you insure more than one motorcycle under the same policy. |
| Multiple Policy Discount | ...you have a homeowners, condominium and/or auto policy with us. |
| Transfer Discount | ...you currently have motorcycle insurance with a carrier other than us. |
| Motorcycle Organization Discount | ...you're a member of an eligible motorcycle organization^. |
| Motorcycle Safety Course Discount | ...you voluntarily attended and passed a Motorcycle Safe Driving Program within the past 36 months. |
| Good Rider Discount | ...you have not had any chargeable accidents and no more than one minor violation in the past 60 months. |
^ Eligible Motorcycle Organizations:
Coverage Options
Freedom of choice, peace of mind and the chance to save money; these are just a few of the benefits you'll receive with Motorcycle Insurance. Our Motorcycle policies are not "one size fits all." Your cycle reflects your individual personality, and your coverage should be personalized to fit your needs. Whether you are a weekend warrior or ride every day, We coverage options to help meet your unique needs. Call me to discuss your options, and I will help you find the coverage that fits your motorcycle lifestyle.
Motorcycle policies are not "one size fits all." You've got your own special bike and unique riding style, so you deserve individual attention. That's where I come in. Whether you're a weekend warrior or you ride every day, I can help you select coverage options that meet your unique needs.
Review the mandatory and optional insurance coverages* summarized below. Each coverage option explained below provides you, within policy limits, important liability, property and injury protections. For instance, Liability Coverage is a mandatory coverage that protects you when you are legally required to pay for bodily injury and property damages you may cause in an accident, within policy limits. Added Equipment Coverage is an optional coverage that protects added equipment that is not included as standard equipment or is not permanently installed by the manufacturer of your cycle.**
Protect Yourself and Others
Coverage
|
Description |
| Liability Coverage | If you're at fault in an accident and cause damage to others, Liability Coverage typically provides protection for the damages which you are legally obligated to pay, within policy limits. |
| Guest Passenger Liability Coverage | If you're at fault in a covered accident and you have a passenger on your motorcycle, then you may be liable for injuries they might suffer. Guest Passenger Liability Coverage typically helps protect you for bodily injury to a passenger on your motorcycle, within policy limits. |
| Medical Payments Coverage | If you're injured in an accident, could you afford to pay the medical expenses? Medical Payments Coverage typically provides payment for reasonable and necessary medical treatment for you or another insured person after a covered accident, within policy limits. |
| Underinsured/ Uninsured Motorist Coverage |
Unfortunately, not every driver on the road maintains liability insurance coverage, even though most states require drivers to carry it. Underinsured/Uninsured Motorist Coverage typically protects you for covered damage caused by drivers who don't have insurance or don't carry enough insurance, within policy limits. |
Protect Your Bike
Coverage
|
Description |
| Collision Coverage | Your motorcycle is a valuable asset that you want to protect, maintain and repair if there are any damages. Collision Coverage typically helps pay to repair or replace your insured motorcycle after a covered accident, within policy limits. |
| Comprehensive Coverage | Accidents happen—and they are not always a result of collisions with other vehicles. Comprehensive Coverage typically helps pay for covered damages to your insured motorcycle resulting from a peril other than a collision, within policy limits. Coverage includes such damages as flood, wind, theft or vandalism. |
Optional Coverages
Coverage
|
Description |
| Optional or Added Equipment Coverage | Does your motorcycle have saddle bags? Have you customized or modified your exhaust system? If you purchase Comprehensive Coverage, for an additional premium you can obtain coverage for loss to any covered optional or added equipment that is not included as standard equipment, or is not permanently installed by the manufacturer of your cycle, up to the policy limits. |
| Towing and Labor Costs | If your bike breaks down or you're in an accident, you don't have to worry about the costs of getting it home or to the shop. Towing and Labor Costs Coverage will typically reimburse you (up to the applicable limit) for your necessary towing charges should your insured motorcycle become disabled. |
| Rental Reimbursement | If you have Collision or Comprehensive Coverage and your motorcycle is being serviced or repaired due to a covered loss, you don't have to be without transportation. This coverage typically will reimburse you for your costs of renting a car from a rental agency or garage—up to your coverage limits. |
*Coverage applies to road-use motorcycles only. All coverages are subject to availability and qualifications. Other terms, conditions and exclusions may apply. This is a brief description of coverages; this is not a contract. Please read your policy for full coverage details.
** Equipment Coverage applies only if you have Comprehensive Coverage in effect under your policy.
Motorcycle Insurance
