Motorcycle Insurance ... Because Safety
on a Motorcycle Is Not Only About How Careful YOU Are!

You've taken safety classes. You wear protective clothing and a helmet. You don't drive abreast of other cyclists. You're being cautious, but is that enough? Many times it's the other driver that's at fault.

Choosing the right insurance policy is much like choosing the right motorcycle. You want it to fit your needs and lifestyle, but at the same time be within your budget. Although most states require you to carry a minimum amount of liability coverage, other types of coverage are usually optional.

Motorcycle insurance options are similar to those presented to automobile drivers ... liability coverage for bodily damage and property damage liability, comprehensive and collision, custom parts and accessories, medical expenses, roadside assistance, and underinsured/uninsured motorist insurance.

• Liability coverage: Liability insurance covers bodily injury and property damage that you may cause to other people involved in an accident. It doesn't cover you or your motorcycle. Find out if your coverage includes Guest Passenger Liability, which provides protection in the event that a passenger is injured on the motorcycle.
   
• Collision coverage: Collision insurance covers damage to your motorcycle if you are involved in an accident. Your insurance company pays for damages, minus your deductible, caused when you collide with another vehicle or object. Collision insurance usually covers the book value of the motorcycle before the loss occurred.
   
• Comprehensive coverage: Comprehensive coverage pays for damages caused by an event other than a collision, such as fire, theft or vandalism. However, just like collision coverage, your insurance company will pay for damages, minus your deductible, and will cover only the book value of the motorcycle. Keep in mind most comprehensive and collision coverage will only cover the factory standard parts on your motorcycle. If you decide to add on any optional accessories such as chrome parts, a custom paint job, trailers or sidecars, you should look into obtaining additional or optional equipment coverage.
   
• Uninsured/underinsured motorist coverage: Uninsured/underinsured Motorist Coverage covers damages to you and your property caused by another driver who either doesn't have insurance (uninsured) or doesn't have adequate insurance (underinsured) to cover your damages. This coverage typically pays for medical treatment, lost wages and other damages.

Types of motorcycles for which we can typically offer insurance coverage options include by may not be limited to: Cruisers and Limited-Production Cruisers; Customized Motorcycles; High-Performance Motorcycles; Mopeds and Scooters; Vintage Motorcycles, 25 Years and Older; Street Sport Motorcycles; High Performance Motorcycles; Touring Sport and Touring Regular Motorcycles; Dual Purpose/Enduro Motorcycles; Motocross cycles and Dirt Bikes; Trikes; as well as All Terrain Vehicle (ATV) and Off-Road Vehicles. The options available and the premiums associates with that coverage vary widely. Click here for ways to reduce your premiums.

Call Cole Harrison Insurance (or use our email or quote forms at left). We will help you determine what type of insurance, deductible level, and policy limits best meet your needs. You want to be sure that your medical expenses, property damage coverage, uninsured motorist provisions are adequate. The last thing you need when you have an accident are "that's not covered" surprises.

Throughout our site, to return to our home page, just click on COLE HARRISON INSURANCE above the header image.