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Protect Yourself and Others
Choosing
the right insurance policy is much like choosing the
right motorcycle. You want it to fit your needs and
lifestyle, but at the same time be within your
budget. Although most states require you to carry a
minimum amount of liability coverage, other types of
coverage are usually optional. Always ask your
insurance agent or company representative which laws
apply in your state.
In order to find out what
coverage is best for you, it is important to
understand all the options available.
Coverage Descriptions:
Liability
If you're at fault in an accident and cause damage
to others, Liability Coverage typically provides
protection for damages that you are legally
obligated to pay, within policy limits.
Passenger Liability
If you're at fault in a covered accident and you
have a passenger on your motorcycle, you may be
liable for their injuries. Passenger Liability
Coverage helps protect you if a passenger suffers
bodily injuries, within policy limits.
Medical Payments
if you're injured in an accident, could you afford
to pay the medical expenses? Medical Payments
Coverage provides payment for reasonable and
necessary medical treatment for you or another
insured person after a covered accident, within
policy limits.
Typically provides coverage for an insured person for certain
reasonable and necessary expenses. Some examples of
typical expenses include: medical and hospital
expenses, income continuation, loss of services,
funeral expenses, and child care expenses for bodily
injury caused by a covered accident, regardless of
who was at fault. It’s only available in certain
states.
Uninsured /Underinsured Motorist
Typically helps protect you for covered damage
caused by drivers who don’t have insurance or don’t
carry enough insurance. Uninsured Motorist Property
Damage Uninsured Motorist for Property Damage
coverage (if applicable in your state) will
typically pay for covered damage to your insured
cycle caused by an uninsured motorist.
Collision
Your motorcycle is a valuable asset that you want to help protect,
maintain and repair if damaged. Collision Coverage
helps pay to repair or replace your insured
motorcycle after a covered accident, within policy
limits.
Comprehensive
Accidents happen—and they are not always a result of
collisions with other vehicles. Comprehensive
Coverage helps pay for covered damages to your
insured motorcycle resulting from a loss other than
a collision, within policy limits. Covered damages
include: flood, wind, theft or vandalism and many
other non-collision losses.
Emergency Road Service
This
coverage pays for having your motorcycle towed due
to a breakdown.
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