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Motorcycle Insurance
Bodily Injury & Property
Damage Liability
Bodily Injury and Property Damage Liability covers your legal liability
for an accident where there is injury to another party or damage to
someone's property, up to the limit of liability you select.
Comprehensive and Collision
Comprehensive and Collision coverage covers the cost to repair or replace
your motorcycle if it is stolen or damaged in an accident, regardless
of who is at fault. You select a deductible for each coverage, and once
the deductible is met, the insurance company pays for the remaining
damage. Under Collision Coverage, your insurance company pays for damage
to your vehicle when you collide with another vehicle or object. Under
Comprehensive Coverage, your insurance company pays for damage to your
vehicle caused by an event other than a collision, such as fire, theft
or vandalism.
Uninsured /Underinsured Motorist
When the at-fault party does not have insurance, Uninsured Motorists
Bodily Injury will cover damages you incur that the at-fault party is
legally liable for, such as medical treatment and lost wages. If your
injury expenses exceed the at-fault party's liability limits, you can
use Underinsured Motorists Bodily Injury Coverage to pay for the amount
not covered by the at-fault person's insurance. Similar to Uninsured
Motorists coverage, Underinsured Motorists coverage is designed to cover
the gap between the other person's liability limits and the amount of
your injury expenses, up to the Underinsured Motorists limits you select.
Uninsured Motorists Property Damage covers damage to your vehicle caused
by someone who does not have insurance.
Medical Payments
Medical Payments coverage pays the cost of necessary medical care you
receive as a result of a motorcycle accident and can be used regardless
of who is at fault. The coverage often is limited to medical treatment
received within the first three years after an accident and is limited
to a specific dollar amount. In some states, Medical Payments only applies
after other medical insurance is exhausted.
Custom Parts and Equipment (CPE)
When Physical Damage Liability coverage (Comprehensive or Collision
coverage) is purchased, at least $1,000 of Custom Parts and Equipment
(CPE) coverage is included in most states. Additional CPE coverage can
be purchased to cover equipment, up to $30,000 in value. CPE covers
equipment, devices, accessories, enhancements and changes, other than
those that the manufacturer originally installs, that alter the appearance
or performance of the motorcycle or off-road vehicle. This includes,
but is not limited to: * Any electronic equipment, antennas and other
devices used exclusively to send or receive audio, visual or data signals
or play back recorded media, other than those that the manufacturer
originally installs, that are permanently installed on the motorcycle
or off-road vehicle using bolts or brackets, including slide-out brackets
* Sidecars * Trailers designed to be pulled behind a motorcycle or off-road
vehicle * Trike conversion kits * Custom paint, custom plating or custom
exhaust * Mower blades, plow blades or winches * Safety riding apparel,
including helmets. (Coverage is provided in the event of a Collision
loss. Theft is not covered.) Please note: We recommended you retain
photos of the motorcycle and all receipts for custom parts and equipment.
Roadside Assistance
Roadside Assistance coverage provides towing to the nearest qualified
repair facility and necessary labor at the place of disablement 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 This coverage
extends to trailers being towed by a motorcycle. Immediate sign and
drive assistance means you have no out-of-pocket expenses — just
sign the receipt and you're back on your way. Roadside Assistance is
available 24/7. Roadside Assistance is included with Comprehensive coverage
for most Harley-Davidson and touring motorcycles at no charge, and can
be purchased at a nominal fee for all other bikes. Back to Top Please
note: Motorcycle coverages may vary by state. Selection of certain options
may require additional premium. These descriptions are intended only
as a guideline. All terms and coverages are defined solely by your policy.