What Motorcycle Insurance Covers
Bodily injury liability
If you cause an accident and someone is injured, this motorcycle insurance coverage can help pay their medical bills and loss of income.
Property damage liability
This coverage helps pay for damages to another person’s vehicle or property, if you cause an accident.
Collision
Collision coverage may be required if your vehicle is financed or leased.
Comprehensive
Also known as “other than collision,” this motorcycle coverage can help pay for damage to your vehicle from vandalism, theft, weather events and falling objects.
Uninsured or underinsured motorcycle coverage
Uninsured motorist insurance may help protect you against drivers who don’t have liability insurance or lack the money to pay for injuries and damages they cause to you, your passengers or your motorcycle. This coverage is often paired with underinsured motorist coverage, which is similar, but for situations where the other driver’s insurance will pay for some of the damages. Such coverage may also protect you from covered hit and run accidents. Each state has its own uninsured motorist laws and such coverage is subject to policy coverage provisions and limits.
Medical payments
Also known as Personal Injury Protection (PIP), med pay can help cover medical costs related to an accident, regardless of who’s at fault.
Optional Motorcycle Insurance Coverages
Custom equipment
This covers aftermarket parts and equipment not originally installed on your vehicle by the manufacturer. You get $3,000 of coverage if you have comprehensive insurance. You can buy additional limits up to $30,000.
Roadside Assistance
Members can increase their coverage to include trip interruption expenses incurred when traveling more than 100 miles away from home.
OEM endorsement
This coverage helps ensure that your vehicle is repaired with new parts from the original equipment manufacturer (OEM), whenever available. If an OEM part is not available, we’ll issue payment based on the fair market value of the new OEM part. Available for vehicles less than 10 years old.
