Motorcycle Insurance Frequently Asked Questions

What does Liability Coverage mean?

Liability Coverage protects you from lawsuits if you are involved in an accident and cause bodily injury and/or property damage to another party.  Liability Coverage includes the following:

(1) Bodily Injury
Bodily injury covers your legal liability for an accident in which you cause “bodily injury” to another.  The minimum limits for BI vary by state. Always check with your agent about risks associated with purchasing lower or minimum liability limits.

(2) Medical (applies to WI) or Personal Injury Protection (PIP, applies to MN)
This coverage provides protection for medical and/or funeral costs for you in the event of an accident. States are either Medical States or PIP states depending on their state law. Please check with your agents for a complete description on Medical Coverage and its relation to other existing Health/Life Coverage you may have.

(3) Property Damage
As the name implies, property damage protects you from any damages resulting to another person’s property due to an accident. For example, if you purchase $100,000 of Property Damage, the maximum amount paid for damage to other individual’s property would be $100,000 for the accident.

(4) Uninsured/Underinsured Motorist
Uninsured Motorist provides coverage for you if the other driver does not have insurance at all. Underinsured Motorist provides liability coverage for you if the other driver does not have enough insurance coverage.

What does Collision and Comprehensive Coverage mean?

These two coverage options provide compensation for damage to your vehicle if an accident should occur. Collision provides coverage in the event of an accident. Comprehensive provides coverage for damage from other perils such as storms, fire, theft, vandalism or malicious damage, flood, earthquake, birds or animals.

Comprehensive and Collision are sold with deductibles. A deductible is the amount you pay first. After the deductible has been reached, the insurance coverage provides payment for the additional amount of repairs/replacement needed. A typical deductible for Comprehensive and Collision is:

•    $100 Comprehensive
•    $250 Collision

It’s also important to remember that these coverages will only cover the factory standard parts on your motorcycle.  So if you are going to add any custom parts, accessories, or have a custom paint job done, you should really obtain additional or optional equipment coverage.

It is very important that you consult with your agent to determine the best coverage for you. Depending on vehicle, age, driving record, income and many other factors, the right coverage will vary.

Guest Passenger Liability

This provides coverage to your passenger in an accident in which the operator is at fault.  Not all policies provide Guest Passenger Liability so it’s important to ask your agent if your have this coverage on you policy.