Motorcycle Insurance Information
The value of good motorcycle insurance often doesn't become apparent until you really need it. Whether it's a minor fender bender or a more substantial accident, it pays to have insurance coverage you can count on.
Let our experienced specialist explain the different Liability limits, Comprehensive, Collision, Uninsured Motorist, Medical coverages, and deductibles that are available for you to choose from. We offer affordable motorcycle insurance policies from a leader in the insurance industry. This means more stable premiums and none of those 20% increases after the first year.
Things you should know about Motorcycle Insurance: (for the items below, when clicked, will scroll down to the portion of the page with the respective info)
- Collision Coverage
- Comprehensive Coverage
- Liability Coverage (Bodily Injury/Property Damage)
- Medical Payments
- Uninsured Motorist Coverage
- Underinsured Motorist Coverage
Covers damage caused to the owners motorcycle from a collision caused by another vehicle or other object. The deductible is the amount you choose to pay upfront (if any) before the motorcycle insurance policy pays. The higher the deductible you choose.
Covers damage caused to the insured's motorcycle (your motorcycle) from risks such as theft, fire, falling objects, earthquake, flood, missiles, explosion, riot and civil unrest. The deductible is the amount you choose to pay upfront (if any) before the motorcycle insurance policy pays. The higher the deductible chosen the lower the comprehensive coverage cost.
Liability Coverage (Bodily Injury & Property Damage)
Bodily Injury Liability
Injuries that you (insured) cause to someone else is covered under this part of a motorcycle insurance policy. The minimum liability insurance coverage available for purchase in Illinois is 20/40 and is explained in detail below. However, we recommend that you choose liability insurance coverage amounts that are much higher than the minimums listed below. Contact us toll free at 888-966-8579 to discuss what liability coverage amounts you require to meet your family or personal needs.
Liability Coverage limits explanation:
20/40/15 20=$20,000 - 40=$40,000 - 15=$15,000
First number = bodily injury liability maximum for one person injured in an accident.
Second number = bodily injury liability maximum for all injuries in one accident.
Third number = property damage liability maximum for one accident.
Property Damage Liability
Damage caused by the insured (you) to someone else's property, such as a motorcycle, car, fence, or house, is covered through property damage motorcycle insurance coverage. The minimum coverage amount in Illinois is $15,000.
Medical payments coverage pays for the medical and funeral expenses for you or others hurt or killed in an accident while riding on or driving your motorcycle. Claims against this coverage include all reasonable hospital, surgical, chiropractor, X-ray, dental, professional nursing, prosthetic, and funeral expenses. It will also cover you or members of your family if you are hit by a car when you are walking or if you are riding on another motorcycle. This coverage will pay for your medical and funeral expenses even if you cause the accident. The coverage is often limited to medical care you get in the first one, two, or three years after the accident and is limited to a specific dollar amount.
Covers the insured (you) for your bodily injury caused by a hit-and-run driver or an at-fault driver who has no auto or motorcycle liability insurance. Contact us to discuss what uninsured coverage amounts you require to meet your family and personal needs.
Example of uninsured motorist limits:
Covers the insured (you) for your bodily injury caused by a hit-and-run driver or an at-fault driver who has no auto or motorcycle liability insurance. This may be a required coverage for Illinois Indiana Ohio Michigan Texas Louisiana and Mississippi Motorcycle Insurance. Contact us to discuss what uninsured coverage amounts you require to meet your family and personal needs
Underinsured Motorist Coverage
This coverage comes into play when an at-fault driver has auto or motorcycle liability insurance, but the limit of insurance is inadequate to pay for your damages.
Underinsured Motorist Bodily Injury Coverage
This type of motorcycle insurance coverage pays for your medical expenses, lost wages, and other damages when you or your passengers are injured in an accident caused by a driver who has insufficient auto or motorcycle insurance coverage. The motorcycle insurance coverage typically pays the difference between the coverage limit you select and the other driver's bodily injury coverage limit. This is may not be a required motorcycle insurance coverage for your state call our agents for more info.
Underinsured Motorist Property Damage Coverage
Protects you if your motorcycle is damaged in an accident caused by a driver who has insufficient auto or motorcycle insurance coverage. This coverage pays the difference between the coverage limit you select and the other driver's property damage coverage limit. This is not a required coverage in all states Illinois Indiana Ohio Michigan Texas Louisiana and Mississippi.
Or you can speak with our Illinois Indiana Ohio Michigan Texas Louisiana and Mississippi Motorcycle Insurance agent specialist toll free at 888-966-8579 to discuss the features.
