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Motorcycle Insurance

Drive fast and take chances.. or drive responsibly with the right coverages. Your choice!

Motorcycle Insurance Coverage Explained


Liability insurance is a form of motorcycle insurance that covers the cost of damages that occur when the driver of a bike causes an accident. There are two components of motorcycle liability insurance that drivers are legally required to have in the New York State: Bodily injury liability and Property damage liability.

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Comprehensive coverage covers the cost to repair or replace your motorcycle in the event nearly anything other than a collision occurs. For example, if your bike was damaged in a fire or storm, vandalized, or stolen, those things would fall under comprehensive coverage.

Roadside Assistance

Roadside Assistance Roadside assistance and towing insurance are optional coverages for motorbike insurance policies and can be added in exchange for a higher premium. Roadside assistance programs often will tow a motorcycle to the nearest shop, either free of charge or at a discounted rate. They also usually cover battery failure, flat tires, or mechanical or electrical breakdown

Uninsured/ Underinsured Motorist

Uninsured/Underinsured motorist coverage covers injuries to you as a rider, as well as damages to your bike caused by another driver who is inadequately insured. Whether the driver doesn’t have any liability insurance or the cost of your damages was beyond the limits of their policy, this picks up wherever their coverage leaves off.


Collision coverage In the event your motorcycle is involved in an accident—with another vehicle or an object—collision coverage pays for the cost to repair or replace your motorcycle, minus your deductible. It usually covers up to sale price to replace it, rather than a claim limit that is a specific dollar amount.

Accessories and Custom Parts

Accessories and Custom Parts is coverage for upgrades, customizations, equipment, and your accessories. There is usually a small included amount but the limit can be increased as needed.

Medical Payments

Medical payments coverage is a form of motorcycle insurance that covers the cost of medical bills for you (the rider) in the event you’re injured on your motorcycle, similar to health insurance. It covers the rider, regardless of who is at fault for an accident.

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Total Loss Coverage

Total Loss Coverage is similar to gap insurance, for motorcycles that are totaled in a crash. No matter the book value of the bike, the insurer will pay the suggested retail value toward its replacement, minus your deductible. Total loss coverage might only be available for the first few years of a vehicle’s life, since insurance companies won’t replace bikes that are worth considerably less as they age.

Carried Contents

Carried Contents coverage applies to any of your possessions that you carry with you while riding your bike. With this coverage, items such as your tools and motorcycle gear, cell phone and other possessions that you carry with you would be covered if they’re lost, damaged or stolen.

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