Motorcycle Coverages

Motorcycle insurance protects you and your family in all kinds of situations. This section summarizes common coverages. Some are optional. Others are required in Oklahoma.

Motorcycle Liability Insurance can help protect your assets.

If you’re at fault in an accident, you could be held legally responsible for injury or damage caused by the accident. All riders are required by law to have both of these
liability coverages:

Bodily Injury Liability helps protect you from paying medical costs, loss of income and funeral expenses of other people involved in an accident.

Property Damage Liability helps protect you from paying for the repair or replacement of another motorist’s vehicle or property.

There’s a coverage available to protect you from motorists with no insurance.

There are a lot of motorists out there who may not have insurance. What if one of them clips you when you’re riding? Uninsured/Underinsured Motorist Coverage can help.

Bodily Injury Uninsured Motorist Coverage covers your injuries or death, or those of a guest or family members riding your motorcycle if it’s hit by a motorist with little or no insurance.

There’s a coverage that can also help pay for your injuries from an accident.

If you’re in an accident, whether it’s your fault or someone else’s, paying for medical care can be a concern. That’s where Medical Payments Coverage comes in. Motorcycle Medical Payments Coverage can help pay for some of your medical costs or funeral expenses if you or anyone on your motorcycle is injured in an accident.

What about damage to your motorcycle?

If you wreck your bike, your motorcycle insurance can help to repair or replace it so you can get back to riding again quickly. There are two types of coverages to consider:

Collision Coverage pays for damage to your bike if you collide with another vehicle or something else such as a parked vehicle, construction debris, guardrails or fences. If someone hits your parked motorcycle, this is considered a collision as well.

Comprehensive Coverage pays for damage or loss to your motorcycle caused by something other than a collision such as theft, fire, vandalism, windstorm or hitting an animal.

There are other coverages you can buy to protect your bike.

We offer other coverages for additional protection for you and your bike….

Optional Equipment Coverage pays for after-market additions to your bike like custom seats, crash bars, fairings, etc. Your policy automatically comes with $1,000 of Optional
Equipment Coverage when you buy Comprehensive Coverage. You can buy extra coverage that raises the limit up to $30,000.

Lease/Loan Gap Coverage pays the difference between the value of your motorcycle and the balance of your loan or lease on the bike. To get this coverage, you also need to have
Comprehensive and Collision Coverages on the same policy.

Guest Passenger Liability protects guest passengers who share a ride with you.

Towing and Labor Costs reimburses you for towing and basic roadside-assistance expenses if you’re stranded on the road.

Rental Reimbursement repays you for the cost of renting a car while your bike is in the shop being repaired due to a covered accident—up to 30 days.