What Is Motorcycle Insurance?

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Whether you're enjoying a long summer time ride, or have your bike stored away for the winter, a motorcycle insurance policy can help protect you and your motorcycle.  

Towing and labor Reimburses you for the costs of towing and related labor if your motorcycle breaks down or you get in an accident.  

Rental reimbursement Helps cover the cost of a rental if your bike is stolen or being repaired in the shop.  

Bodily injury liability coverage Covers things like medical expenses and lost wages that result from the injury or death of another driver when you're at fault.   In some states, this liability extends to passengers on your motorcycle, too. In others, it may be offered separately.

 Property damage liability coverage covers damage to another person's property when you are at fault. You may be liable for other vehicles, buildings, or other structure.

 Medical payments Covers reasonable and necessary medical expenses that are the result of injury to you or your passengers, like ambulance rides and x-rays.  

Collision coverage Covers damages to your motorcycle that result from a collision with another object, which can include another car or motorcycle, a tree or a building. 

Comprehensive coverage Covers damages to your motorcycle NOT caused by a crash with another vehicle—things like flooding, wind, vandalism and theft. You're typically covered for repairs up to the actual cash value of your bike. Plus, you get to choose your deductible.  

Uninsured/underinsured motorist bodily injury If you get into an accident and an uninsured or underinsured driver is at fault, this covers your injuries as well as your passengers'. Different states have different requirements for this coverage.