Motorcycle Insurance Options
Bodily Injury Liability - Bodily Injury and Property
Damage Liability covers your legal liability for an accident where
there is injury to another party or damage to someone's property,
up to the limit of liability you select.
Medical Payments or Personal Injury Protection (PIP) - Provides coverage
for treatment of injuries to the driver and passengers of the policyholder’s
car.
Comprehensive and Collision - Comprehensive and Collision
coverage covers the cost to repair or replace your motorcycle if it is stolen
or damaged in an accident, regardless of who is at fault. You select a deductible
for each coverage, and once the deductible is met, the insurance company pays
for the remaining damage.
Under Collision Coverage, your insurance company pays for damage to your vehicle
when you collide with another vehicle or object.
Under Comprehensive Coverage, your insurance company pays for damage to your
vehicle caused by an event other than a collision, such as fire, theft or vandalism.
Uninsured Motorists Coverage - When the at-fault party does
not have insurance, Uninsured Motorists Bodily Injury will cover damages you
incur that the at-fault party is legally liable for, such as medical treatment
and lost wages.
Custom Parts and Equipment (CPE)
When Physical Damage Liability coverage (Comprehensive or Collision coverage)
is purchased, at least $1,000 of Custom Parts and Equipment (CPE) coverage is
included in most states. Additional CPE coverage can be purchased to cover equipment,
up to $30,000 in value.
CPE covers equipment, devices, accessories, enhancements and changes, other than
those that the manufacturer originally installs, that alter the appearance or
performance of the motorcycle or off-road vehicle. This includes, but is not
limited to:
- Any electronic equipment, antennas and other devices used exclusively
to send or receive audio, visual or data signals or play back recorded
media, other than
those that the manufacturer originally installs, that are permanently installed
on the motorcycle or off-road vehicle using bolts or brackets, including
slide-out brackets
- Sidecars
- Trailers designed to be pulled behind a motorcycle or
off-road vehicle
- Custom paint, custom plating or custom exhaust
- Safety riding
apparel, including helmets. (Coverage is provided in the event
of a Collision loss. Theft is not covered.)
Emergency Road Side Assistance - Roadside Assistance coverage provides
towing to the nearest qualified repair facility and necessary labor at the
place of disablement when your motorcycle or off-road vehicle is disabled
due to any of the following:
- Mechanical or electrical breakdown
- Dead battery
- Flat tire
- Lockout
- Insufficient supply of fuel, oil, water or other fluids
- Entrapment
in snow, mud, water or sand within 100 feet of the roadway
This coverage extends to trailers being towed by a motorcycle.
Immediate sign
and drive assistance means you have no out-of-pocket expenses — just
sign the receipt and you're back on your way. Roadside Assistance is available
24/7.
Roadside Assistance is included with Comprehensive coverage for most Harley-Davidson
and touring motorcycles at no charge, and can be purchased at a nominal
fee for all other bikes.
Please Note: These insurance coverage descriptions
are intended only as a guideline. All
terms and coverages are defined solely by your policy.
Companies We Represent
Progressive Insurance
US Security Ins. Co.
and other fine insurance
companies
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