What is covered?
Bodily Injury and Property Damage is covered through motorcycle insurance irrespective of the fact who was originally responsible for the accident. Most of the elements that are covered in auto insurance are also covered under Motorcycle Insurance, with the addition of a few extra features.
Damage to protective gear, or the accessories is also covered under the protection plan. Items like, saddle bags, bike leathers, back rest or a costly helmet qualify for coverage. However, the insurance on these items is limited due to which it is advisable to get the expensive accessories insured separately.
Custom motorbike features including upgraded components or exclusive paint are also insured through these protection plans.
You get to customize and alter your protection plan according to your needs and preferences. As a biker you know what type of coverage would suit your bike in the best way. Get connected to our agents to get a better understanding, and exciting discounts for your motorcycle insurance.
Types of other Optional Coverages
Comprehensive and Collision Coverage
This type of coverage covers physical damages incurred by collisions to repair or replace your vehicle, irrespective of the fact that who was at fault, or the location of the accident.
expenses within the first three years after the accident’s occurrence. In some states, MedPay usually comes in use when Health Insurance is fully exhausted. It is also limited to a specific dollar value.
For example, you accidently hit a tree and sustained severe injuries in the neck or the collarbone. And your medical expenses reached an amount of $2000. In cases when you don’t have health insurance, then MedPay will reimburse your expenses up to, say, the selected $1000. In this instance, you’ll have to pay the remaining $1000 of your Medical bills.
Custom Parts & Equipment
There is an additional benefit while purchasing Comprehensive or Collision motorcycle insurance coverage. At least $3,000 worth of accessory coverage for the custom parts and equipment is included in most states. Up to $30,000 of additional accessory coverage could be upgraded to cover custom parts, if the included value is depleted.
Roadside Assistance
If your motorcycle breaks down, you can make most of the 24/7 Satellite Roadside Assistance, in order to tow to your bike to the nearest qualified repair facility. Roadside Assistance also covers the necessary labor costs at the place of breakdown when your motorcycle or off-road vehicle is disabled due to any of the following:
- Mechanical or electrical breakdown
- Dead battery
- Flat tire
- Lockout
- Insufficient supply of fuel, oil, water, or other fluids
- Entrapment in snow, mud, water, or sand within 100 feet of the roadway