No matter where your journey takes you—hit the road with the peace of mind of motorcycle insurance.
Motorcycle insurance helps bring you peace of mind.
Like auto insurance, motorcycle insurance policies are made up of several components, some of which are legally required while others are optional, but a smart buy. You put a lot into your ride, make sure you safeguard your investment. Your motorcycle insurance policy may offer coverage for liability, damages, motorcycle accidents, and theft.
Legally required insurance coverage for motorcycles.
The absolute minimum coverage you’ll need when it comes to motorcycle insurance is liability insurance, which may cover the costs you have to pay to other people after an accident that’s your fault–including their medical bills and repairing or replacing their vehicle. Your local laws will set a minimum amount of coverage for liability insurance, but you may want the peace of mind of getting a higher coverage limit.
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Property Damage Liability Coverage
Risk Factor
When accidents happen, they can cause damage to other vehicles and various other types of property.
Solution
Property Damage Liability pays for damage to vehicles and other property caused by an at-fault accident. The amount covered depends on the limits and details in your policy and the regulations in the local state.
Bodily Injury Liability Coverage
Risk Factor
Accidents can lead to injuries for other individuals involved, resulting in significant medical expenses and potential legal liabilities.
Solution
Bodily Injury Liability helps cover costs associated with injuries to others caused by a covered accident. The coverage amount is determined by the policy limits and specifics, as well as state regulations.
Guest Passenger Liability Coverage
Risk Factor
Riding with a passenger can increase the risk of injuries during a ride-related incident, leading to potential medical expenses and liability issues.
Solution
Guest Passenger Liability Coverage provides additional protection for passengers on your motorcycle, covering injuries they may sustain during a ride-related event.
Uninsured/Underinsured Motorist Damage Coverage
Risk Factor
Accidents involving uninsured or underinsured motorists can leave you with significant expenses, including medical bills and vehicle repairs, without adequate compensation.
Solution
Uninsured/Underinsured Motorist Damage Coverage assists with injuries and other losses resulting from an accident with an uninsured motorist, a hit-and-run driver, or a driver lacking sufficient insurance coverage.
Physical Damage Coverage
Risk Factor
Various incidents, including severe weather, theft, or accidents, can cause significant damage to the physical structure of your vehicle, leading to costly repairs or replacement.
Solution
Physical Damage Coverage, also known as Comprehensive and Collision, covers expenses related to damage to your vehicle's physical body. This may include damage from weather events, theft, and at-fault accidents caused by a driver on your policy.
Medical Payments Coverage and Personal Injury Protection
Risk Factor
Motorcycle accidents can result in significant injuries, leading to high medical costs and financial strain.
Solution
Medical Payments Coverage and Personal Injury Protection help cover medical expenses incurred if you're involved in an accident while riding your motorcycle.
Carried Contents & Belongings
Risk Factor
Personal items carried on your motorcycle are vulnerable to loss, theft, or damage, potentially leading to unexpected replacement costs.
Solution
Carried Contents & Belongings coverage compensates for personal property that is lost, stolen, or damaged while being carried on your bike.
Custom Parts or Equipment
Risk Factor
Custom or unique parts on your motorcycle can be expensive to repair or replace if damaged, leading to significant out-of-pocket costs.
Solution
Custom Parts or Equipment coverage assists with expenses related to damages to the custom or unique parts of your motorcycle.
Does your motorcycle policy cover other riders?
If you only have the minimum amount of coverage, other riders may not be covered under your policy. However, you may be able to select coverage options to extend coverage to other riders.
Is your motorcycle covered from theft?
Your motorcycle insurance policy may include coverage for theft, whether it’s at home or elsewhere. It may also extend coverage for the theft of personal belongings.
What is uninsured/underinsured motorist coverage?
If an uninsured or underinsured motorist causes an auto accident when you are on your bike, uninsured/underinsured motorist coverage may compensate you for bodily injuries and lost wages.
What do collision and comprehensive coverage offer?
Motorcycle collision coverage may payout to repair or replace your bike after a crash, even if it’s deemed your fault. Meanwhile, comprehensive coverage adds in coverage for your bike being stolen, vandalized, or damaged by fire.
Optional coverages are designed to protect your ride.
Other optional extras worth considering include specific coverage for custom motorcycle parts such as GPS or trailers that you’ve added to your bike and aren’t necessarily included in your standard policy. You can also get coverage that pays your costs if you’re involved in a collision with an uninsured driver or rider. Finally, don’t forget roadside assistance, which will get you to a repair facility if your bike has a mechanical breakdown or you suffer a flat tire.
Are you ready to protect your ride with motorcycle insurance? Contact us, we’ll lead the way to help you find coverage.
Frequently Asked Questions
What is the minimum motorcycle insurance required by law?
In Illinois, the minimum motorcycle insurance required by law (often referred to as 25/50/20) includes liability coverage of fce_id=”fce_69fd26117f09d”5,000 per person for bodily injury, 50,000 per accident for bodily injury, and $20,000 for property damage. Mandatory insurance ensures coverage for damages or injuries caused to others in an accident.
What is the difference between collision and comprehensive motorcycle coverage?
Collision motorcycle coverage pays for damages to your bike resulting from a collision with another vehicle or object (e.g., flipping or hitting a fence). Comprehensive coverage covers damage from non-collision events, such as theft, vandalism, fire, or hitting an animal. Both are optional for owned bikes but often required if financed.
Does my motorcycle policy cover passengers on my bike?
Motorcycle insurance does not automatically cover passengers for injuries in all policies, but it can often be added through “guest passenger liability” coverage. If you are at fault for an accident, this specialized coverage pays for your passenger’s medical bills. Always check your policy for Guest Passenger Liability, as it is optional in many states.
What happens if I’m hit by an uninsured driver while on my motorcycle?
If you are hit by an uninsured driver while on a motorcycle, you can file a claim through your own insurance policy’s Uninsured Motorist (UM) coverage to pay for medical expenses, lost wages, and bike repairs. If you lack this coverage, you may need to file a personal lawsuit against the at-fault driver to recover damages.
Can I insure custom parts or equipment on my motorcycle?
Yes, you can insure custom parts or equipment on your motorcycle by adding Custom Parts and Equipment (CPE) or accessory coverage to your policy. While standard policies often include a small amount of coverage (typically vc_column_text,000–
Frequently Asked Questions
What is the minimum motorcycle insurance required by law?
In Illinois, the minimum motorcycle insurance required by law (often referred to as 25/50/20) includes liability coverage of fce_id=”fce_69fd26117f09d”5,000 per person for bodily injury, 50,000 per accident for bodily injury, and $20,000 for property damage. Mandatory insurance ensures coverage for damages or injuries caused to others in an accident.
What is the difference between collision and comprehensive motorcycle coverage?
Collision motorcycle coverage pays for damages to your bike resulting from a collision with another vehicle or object (e.g., flipping or hitting a fence). Comprehensive coverage covers damage from non-collision events, such as theft, vandalism, fire, or hitting an animal. Both are optional for owned bikes but often required if financed.
Does my motorcycle policy cover passengers on my bike?
Motorcycle insurance does not automatically cover passengers for injuries in all policies, but it can often be added through “guest passenger liability” coverage. If you are at fault for an accident, this specialized coverage pays for your passenger’s medical bills. Always check your policy for Guest Passenger Liability, as it is optional in many states.
What happens if I’m hit by an uninsured driver while on my motorcycle?
If you are hit by an uninsured driver while on a motorcycle, you can file a claim through your own insurance policy’s Uninsured Motorist (UM) coverage to pay for medical expenses, lost wages, and bike repairs. If you lack this coverage, you may need to file a personal lawsuit against the at-fault driver to recover damages.
Can I insure custom parts or equipment on my motorcycle?
Yes, you can insure custom parts or equipment on your motorcycle by adding Custom Parts and Equipment (CPE) or accessory coverage to your policy. While standard policies often include a small amount of coverage (typically vc_column_text,000–
,000), you will need extra insurance to fully cover high-value enhancements like custom paint, performance parts, or electronics.
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