Motorcycle/ATV Insurance

Looking for adventure on the open road?
Then make sure you’re covered by the right motorcycle and ATV insurance first.

While many love the freedom that comes along with riding a motorcycle or ATV, it’s important to remember that this freedom does come at a risk.  The open road can be dangerous and riders face the threat of damage, injury, and even death.  This is why it’s so important to make sure that you are taking all the necessary precautions before you ride.

One of the most important things you can do to protect yourself and those around you is by having proper motorcycle or ATV insurance in place.  Looking for the right coverages to address your unique insurance needs?  Then turn to the experts at Powersports Insurance Agency.  We have a wide variety of coverage options to keep you safe.

Basic Motorcycle, Side-By-Side & ATV’s Insurance

Liability Coverage: All policies include some level of liability insurance. This type of insurance covers any third-party injuries or property damage that you might cause as a result of an accident.

Comprehensive Coverage: This type of insurance provides coverage for sudden and accidental losses to your bike or ATV that are not the result of a collision. For instance, comprehensive coverage will protect against the damages caused by fire, theft, vandalism, striking a bird or animal, major weather events, and so on.

Collision Coverage: Collisions are the most common cause of damage and losses. Collision insurance will ensure that you have the necessary coverage to repair or replace your motorcycle or ATV following a collision. Collision is colliding with another vehicle or object as well as overturn or upset.

Uninsured Motorist Coverage is protection related to injuries received as a result of an uninsured, negligent driver. An uninsured driver is someone who did not have any insurance, had insurance that did not meet state-mandated minimum liability requirements, or whose insurance company denied their claim or was not financially able to pay it. A hit and run driver also counts as uninsured as it relates to bodily injury.

Underinsured Motorist Coverage is protection related to injuries received from an accident where the other driver is at fault and has coverage limits too low to cover your expenses. Underinsured drivers usually purchase only the minimum coverage required by law, which in some states isn’t much. For example, California only requires drivers to carry $15,000 per person and $30,000 per incident of bodily injury liability coverage. If a driver with low coverage limits causes you to sustain a serious injury it is possible that the available insurance benefit won’t pay all your medical expenses. This is the definition of an “underinsured” driver.

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Additional Motorcycle & Off Road Vehicle Coverages

We offer a wide variety of options to address all your risks.

Accessory Coverage & Custom Parts & Equipment: This covers equipment, devices, and accessories, other than those which are original manufacturer installed, which alter the appearance or performance of the motorcycle or off-road vehicle.

This includes:

  • any electronic equipment
  • trike conversion kits
  • additional equipment that is permanently installed on the motorcycle or off-road vehicle using bolts or brackets, including fairings, windshields, aftermarket handlebars, after-market seats
  • sidecars
  • custom paint, custom chrome plating, or custom exhaust
  • trailers designed to be pulled by a motorcycle or off-road vehicle
  • safety riding apparel, including helmets (coverage is only provided in the event of a collision loss)

Medical Payments Coverage: This pays for medical expenses to each rider on the motorcycle or off road vehicle injured in an accident. This optional coverage is offered at limits as low as $1,000 for each person to as high as $10,000.

Roadside Assistance Coverage: Roadside Assistance coverage provides towing to the nearest qualified repair facility and necessary labor at the time and place of disablement when the motorcycle or off-road vehicle is disabled within 100 feet of the roadway due to: mechanical or electrical breakdown, battery failure, insufficient supply of fuel, oil, water or other fluids, flat tire, lockout, or entrapment in snow, mud, water, or sand.

Trip Interruption Coverage: This coverage is designed to help riders whose bikes are disabled due to mechanical breakdown or covered loss when they are more than 100 miles from their principal residence. This coverage provides daily maximums for lodging, alternative transportation, and food while the motorcycle is being repaired.

Transport Trailer Coverage provides Physical Damage coverage for a non-motorized trailer designed to be towed on public roads principally designed for transporting the insured’s motorcycle or off-road vehicle.

Rental Vehicle Coverage: Many of our companies provide Rental Vehicle coverage automatically. Whenever you receive a “loaner” motorcycle from a repair facility or dealership, or rent a motorcycle, all of the coverages from your current policy will transfer to the rental or loaner motorcycle, Side-By-Side, or off road vehicle.

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