Motorcycle Insurance

Liability Coverage

The liability coverage of the personal motor cycle policy provides protection against legal liability arising out of the ownership or operation of a motorcycle. The insuring agreement agrees to pay damages for bodily injury or property damage for which the insured is legally responsible because of a motorcycle accident.

• Medical Payments Coverage
  The insuring agreement states that the insurer will pay all reasonable and necessary medical and funeral expenses incurred by an insured because of bodily injury caused by an accident. Payment can be made for expenses incurred within three years from the date of the accident. The insured is the named insured and family members, and any other person injured while riding a covered motorcycle. Pedestrians or cyclists are also considered the insured when struck by a motorcycle. These payments are made without regard to fault.


• Uninsured Motorist Coverage
  
  • Uninsured Motorist Coverage
    This insuring agreement pays for bodily injury to an insured who is injured by an uninsured motorist, a hit-and-run driver, or a driver whose insurer becomes insolvent.
  • Underinsured Motorist Coverage
    Underinsured motorist coverage applies when a negligent driver has liability limits at the time of an accident, but the liability limits carried may be insufficient to pay for damages that the negligent driver is responsible for.

Physical Damage Coverages

• Collision Coverage
  This coverage provides protection against the upset of you motorcycle or non-owned motorcycle or a collision with another vehicle or object. Collision losses are paid regardless of fault.



• Comprehensive Coverage
  This coverage provides protection against any loss or damage to a covered motorcycle resulting from loss other than a collision or upset, or a loss specifically excluded.