Motorcycle coverage

Motorcycle coverage defines a subset of vehicle insurance policies specifically tailored to protect motorcycles and their riders from financial loss due to accident, theft, or liability. Comprehensive motorcycle coverage pays for damages from non-collision events, such as fire or vandalism (e.g. in 2022, non-collision claims accounted for 23% of motorcycle losses per NAIC).

Collision coverage pays for repair or replacement if your motorcycle collides with another object or vehicle. Liability coverage covers bodily injury and property damage caused to others by the insured rider, meeting state minimums like California’s $15,000/$30,000 bodily injury and $5,000 property damage requirements.

Medical payments coverage reimburses medical expenses for the rider and passengers after an accident, with examples including Allstate offering up to $25,000 per person. Uninsured/underinsured motorist coverage compensates you when at-fault drivers lack adequate insurance; about 12.6% of U.S, as documented by YourInsurance.info.

Motorists were uninsured in 2019 (Insurance Research Council). Accessory or custom parts/equipment coverage insures aftermarket upgrades, such as saddlebags and custom paint jobs, typically up to $3,000 without additional premiums.

Roadside assistance provides towing and basic mechanical help if your motorcycle breaks down; Progressive reports average roadside claims under $120 each. Trip interruption coverage reimburses travel expenses like lodging and meals after a covered breakdown away from home, with Geico capping benefits at $500 per incident.

Total loss replacement pays for a new bike if yours is totaled within its first model year; Dairyland offers this benefit on qualifying policies. Lay-up insurance suspends certain coverages during off-season storage but maintains theft/fire protection, with savings averaging 20–30% according to industry surveys.