Skip to main content

Motorcycle insurance helps protect your ride on the open road.

Motorcycle Insurance - Motorcycle Driver Riding Along a Scenic Highway at Dusk With Mountains in the Distance

Home » Personal Insurance » Motorcycle Insurance

No matter where your journey takes you—hit the road with the peace of mind of motorcycle insurance.

Motorcycle insurance helps bring you peace of mind.

Like auto insurance, motorcycle insurance policies are made up of several components, some of which are legally required while others are optional, but a smart buy. You put a lot into your ride, make sure you safeguard your investment. Your motorcycle insurance policy may offer coverage for liability, damages, motorcycle accidents, and theft.

Legally required insurance coverage for motorcycles.

The absolute minimum coverage you’ll need when it comes to motorcycle insurance is liability insurance, which may cover the costs you have to pay to other people after an accident that’s your fault–including their medical bills and repairing or replacing their vehicle. Your local laws will set a minimum amount of coverage for liability insurance, but you may want the peace of mind of getting a higher coverage limit.

Interactive Graphic
  1. Step 1Click hotspots.
  2. Step 2Discover risks.
  3. Step 3Get coverage.
Auto
Bodily Injury Liability Coverage
Risk Factor

It’s easy to get distracted while driving. All it takes is an incoming text message, a fussy baby, or changing the radio station and your eyes are off the road long enough to crash into the slowing vehicle in front of you. As an owner/operator of the vehicle, you may be held financially responsible for any bodily injuries caused as a result of the accident.

Solution

Bodily injury liability covers your legal liability for a covered accident that involves injury to another person, up to the limit of liability you select. Purchase enough coverage to protect your assets should a claim be brought against you or if you are sued. You should also consider purchasing an excess liability policy which may provide additional limits of liability.

Property Damage Coverage
Risk Factor

When involved in an auto accident, you and your family may be financially responsible for any damage caused by your vehicle to someone else's property. The amount required, if any, can vary by state.

Solution

The property damage portion of your auto insurance policy protects you if your car damages someone else's property, such as another car, a fence, or a building. In some instances, you may be able to choose your coverage limit, or it may be a standard amount dictated by the insurer or local laws.

Medical Payments Coverage and Personal Injury Protection
Risk Factor

Depending on the severity of the injuries suffered in an automobile accident, whether caused by you or by the other vehicle, it's not uncommon for healthcare costs to run into the thousands of dollars, with a large portion being out-of-pocket expenses not covered by your health plan.

Solution

Medical payments coverage or Personal Injury Protection, depending on where you live, can help cover some medical expenses and funeral expenses of covered drivers and passengers after an accident. The exact requirements, limits, and coverage can vary by state, so it's important to understand what's required where you live.

Uninsured / Underinsured Motorist Damage Coverage
Risk Factor

What happens when the driver who hit you doesn't have enough liability coverage? Or, even worse, they take off? Research has shown that this happens more than you might expect. If you’re in a collision with someone who is uninsured or underinsured, you can be left to pay out-of-pocket for damages and medical expenses not covered by the other driver.

Solution

Uninsured/underinsured motorist damage coverage may compensate you for bodily injury and lost wages caused by an uninsured motorist, a hit-and-run driver, a driver whose automobile insurance company is insolvent, or a driver who has not purchased enough coverage to pay for damages.

Physical Damage Coverage
Risk Factor

Your automobile can be a fairly costly investment – one that is exposed to many potential losses caused by weather related events, theft, and other circumstances that may be out of your control.

Solution

Physical damage coverage can protect your vehicle if it is damaged in an accident (collision coverage), is damaged by something other than a collision (comprehensive coverage) with a vehicle or object or if your vehicle is stolen. This coverage is optional if your vehicle is paid in full, but it is coverage you should consider if you want to fully protect your vehicle.

Rental Coverage / Loss of Use
Risk Factor

When your vehicle is being repaired or replaced due to a covered loss, you may have to rent a vehicle to get you to and from your daily responsibilities without any interruption. Vehicle rental can get expensive, especially over an extended period of time.

Solution

Rental coverage/ loss of use is an inexpensive option you can add to your auto insurance policy to pay for the cost to rent a temporary replacement vehicle or the cost of public or private transportation if your vehicle is ever in an accident. This coverage is available in a variety of daily limits.

  Does your motorcycle policy cover other riders?

If you only have the minimum amount of coverage, other riders may not be covered under your policy. However, you may be able to select coverage options to extend coverage to other riders.

  Is your motorcycle covered from theft?

Your motorcycle insurance policy may include coverage for theft, whether it’s at home or elsewhere. It may also extend coverage for the theft of personal belongings.

  What is uninsured/underinsured motorist coverage?

If an uninsured or underinsured motorist causes an auto accident when you are on your bike, uninsured/underinsured motorist coverage may compensate you for bodily injuries and lost wages.

What do collision and comprehensive coverage offer?

Motorcycle collision coverage may payout to repair or replace your bike after a crash, even if it’s deemed your fault. Meanwhile, comprehensive coverage adds in coverage for your bike being stolen, vandalized, or damaged by fire.

Optional coverages are designed to protect your ride.

Other optional extras worth considering include specific coverage for custom motorcycle parts such as GPS or trailers that you’ve added to your bike and aren’t necessarily included in your standard policy. You can also get coverage that pays your costs if you’re involved in a collision with an uninsured driver or rider. Finally, don’t forget roadside assistance, which will get you to a repair facility if your bike has a mechanical breakdown or you suffer a flat tire.

Are you ready to protect your ride with motorcycle insurance? Contact us, we’ll lead the way to help you find coverage.

Find Your Coverage

We’re here to help you explore your coverage options.

Request Quote

Contact Huggins Dreckman Insurance Agency Inc

 562-594-6541 office
 800-400-3224 toll-free

 562-594-0376 fax

Let’s Get Started

  1. Step 1Fill out the form.
  2. Step 2Review your options with us.
  3. Step 3Get the coverage you need.

Motorcycle Insurance Quote Request

"*" indicates required fields

Name
Please do not include sensitive, private information in this area.
This field is for validation purposes and should be left unchanged.

Don’t like forms? Contact us at 800-400-3224 or .