American Option Motorcycle Insurance
Whether you’re a weekend enthusiast or an every day rider, motorcycle
insurance helps keep you on the road. Motorcycle insurance is a unique product
and is absolutely essential for protecting your property, liability, and financial
You get a different feeling when you’re on the open road riding your
motorcycle, and with that different feeling comes a different set of
considerations. A relatively minor accident can have very different outcomes
for a motorcyclist and an automobile driver. That’s why we always recommend
that you consider carefully which coverages you select.
Each time you feel that freedom below your feet, we want you to feel that
security protecting you and your family. Motorcycle insurance is usually very
affordable, and we can help you choose a policy that makes the best sense for
you and your unique situation. The following list will give you a good, basic
understanding of some of your options.
Types of motorcycle insurance coverage
Bodily Injury Liability Coverage
Bodily Injury Liability coverage will help insure you against certain damages
involving injury or death in an accident you caused. It can also assist in
providing you with a legal defense if another party in the accident files suit
against you. There are several different coverage options to choose from.
Uninsured/Underinsured Motorist Coverage
The Insurance Resource Council estimates that nearly 1 in 7 drivers on the road
don’t carry any insurance at all. Uninsured/Underinsured Motorist coverage can
help protect you and your passengers from those drivers on the road who are at
fault and are either without insurance or have coverage that isn’t sufficient.
Uninsured/Underinsured Motorist Coverage is a sound decision and has
become increasingly important as more and more drivers go without required
Property Damage coverage helps protect you against damages you cause to
someone else’s property while riding your motorcycle. It can also assist in
providing a legal defense if needed.
Collision coverage pays for covered damage to your motorcycle as a result of a
collision caused either by you or another driver.
Comprehensive coverage will include covered damages from anything outside
of the act of collision. Such coverages could offer protection from fire, theft,
vandalism, wind, or flooding.
Medical Payments / No Fault PIP
This can help protect you and your passengers from medical expenses arising
from an accident. Coverages will vary by state.
If you carry collision and comprehensive coverage your policy can include
coverages for your accessories, coverage varies by state.
The discounts will vary by company but can include:
• Good Rider Discount
• Multiple Policy Discount
• Motorcycle Organizational Discount, such as membership in the American
Motorcyclist Association (AMA) or Harley Owners Group (HOG)
• Safety Course Discount
Guest passenger coverage
In some states, the passengers you carry on your motorcycle may not be
covered without the purchase of additional coverage. This coverage could
protect you from liability if a passenger you’re carrying is injured in an accident
you cause. It can also provide your passengers with additional coverages,
depending on the policy.
After market customization, parts, and/or equipment
Many riders love to customize their motorcycles with custom parts and
equipment. These modifications may require special or additional coverage.
Where should I start?
Give us a call at 888-985-4032, and we’ll outline your options and help you
determine the best coverage for your needs. Motorcycle insurance is a unique
product and can sometimes be combined with other coverages to become even
more affordable. You have options