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.

 

Motorcycle and off-road vehicle transport trailer damage

Covers damage and loss of your trailer and motorcycle resulting from collision, rollover and most natural and man-made losses such as earthquakes and vandalism.

 

Lease/loan gap

If your bike gets totaled or stolen, this pays the difference between what your motorcycle is worth and what you still owe on your loan or lease. To get this coverage, you need to have comprehensive and collision on the same policy.