What Motorcycle Insurance Should I Get
A motorcycle insurance policy can help protect your bike, scooter or trike — whether it's your main mode of transportation or your weekend ride. And, insurance can help protect you in case of an accident.
Motorcycle insurance coverage options
- Bodily injury liability coverage
Helps cover things like medical expenses and lost wages that result from the injury or death of another driver when you're at fault. In some states, this liability extends to passengers on your motorcycle, too. In other states, guest passenger liability may be offered as a separate coverage. Note that this coverage does not pay for your own medical bills.
- Property damage liability coverage
Helps cover damage to another person's property when you are at fault. For instance, it may help pay for repairs if you damage other vehicles, private residences, storefronts or other structures. This coverage does not pay for repairs to your own bike.
- Medical payments coverage
Helps cover reasonable and necessary medical expenses, like ambulance rides and X-rays, that are the result of an injury to you or your passengers on your motorcycle.
- Personal injury protection
This type of coverage can help reimburse you for medical bills, lost income, funeral expenses, childcare, and more if you're hurt in an accident. This protection is not available in all states.
- Collision coverage
Covers damage to your motorcycle that result from a collision with another object, which can include a car or a motorcycle, a tree or a building. You can choose your own deductible for this coverage.
- Comprehensive coverage
Covers damages to your motorcycle not caused by a crash with another vehicle or other object — things like flooding, wind, vandalism and theft. You're typically covered for repairs up to the actual cash value of your bike. Plus, you get to choose your deductible.
- Uninsured/underinsured motorist bodily injury coverage
If you get into an accident on your motorcycle and an uninsured or underinsured driver is at fault, this covers your injuries as well as your passenger's.
- Towing and labor coverage
Reimburses you for the costs of towing and related labor if your motorcycle breaks down or you get in an accident.
- Rental reimbursement coverage
Helps cover the cost of a rental if your bike is stolen or being repaired in a shop.