Motorcycle Insurance made just for you
Selecting the ideal insurance policy parallels selecting the perfect bike. It should align with your specific needs and preferences while also remaining budget-friendly. While basic liability coverage is mandated by most states, additional coverage options are typically discretionary.
Coverages You May Wish to Consider
Liability Coverage
Comprehensive Coverage
Collision Coverage
Covers bodily injury and property damage for others in an accident, not you or your motorcycle. Guest Passenger Liability may be included, offering protection for passengers. Check your policy and state laws for details
Collision Coverage
Comprehensive Coverage
Collision Coverage
Provides coverage for damages to your motorcycle resulting from accidents. In the event of a collision with another vehicle or object, your insurance company covers the repair costs, minus your deductible. Typically, collision insurance compensates you for the motorcycle's book value before the loss occurred.
Comprehensive Coverage
Comprehensive Coverage
Comprehensive Coverage
Compensates for damages resulting from incidents other than collisions, including fire, theft, or vandalism. Similar to collision coverage, your insurance provider covers the repair costs after subtracting your deductible, typically reimbursing you for the motorcycle's book value.
Understanding Coverage for Additional Motorcycle Accessories
Note that most comprehensive and collision coverages typically only apply to the factory-standard parts of your motorcycle. If you opt for additional accessories such as chrome parts, custom paint jobs, trailers, or sidecars, it's essential to explore obtaining additional equipment coverage.
Uninsured Motorist Coverage
Provides financial protection for medical expenses, lost income, and additional damages in the event of an accident involving a driver without insurance. If your uninsured motorist coverage extends to property damage, it means your motorcycle would also be covered under similar circumstances. Consult your insurance advisor to confirm whether property damage coverage is part of your policy or if it requires separate purchase.
Underinsured Motorist Coverage
Functions akin to uninsured motorist coverage, with the key difference being its application when the opposing party possesses lower coverage limits than yours, and the damages surpass those limits.
Rev Up Your Protection with A Plus Insurance
Gear Up with Tailored Motorcycle Coverage: Get a Quote Today
Don't let uncertainty hit the road with you. Explore our specialized motorcycle insurance plans designed to keep you and your ride safe on every journey. From comprehensive coverage for damages to rider-specific protection, we've got everything you need to ride with confidence. Reach out to our team today and ride assured knowing you're covered every mile of the way.
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