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Comprehensive Motorcycle insurance

Comprehensive Motorcycle Insurance

You depend on your bike for a lot. Getting to work and back has never been so much fun, and hitting the open road with a long weekend ahead never felt better. That’s why if your bike is damaged in an accident that doesn’t involve another vehicle or motorcycle, you’ll be glad you’ve got comprehensive coverage. It’s smart insurance that helps cover the cost to repair or replace your motorcycle after you’ve met your deductible. Take a look at all the great ways that comprehensive coverage protects you and your bike.

What Types of Events Are Covered With Comprehensive Bike Insurance?

Comprehensive insurance isn’t typically mandatory, but if you have a lease or loan on your bike, your lender will probably require it. While collision insurance is designed to protect your bike from accidents with other vehicles or objects, comprehensive coverage provides protection for instances where another vehicle isn’t involved.

Here’s a list of some events that are covered:

  • Theft
  • Vandalism
  • Some falling objects
  • Floods
  • Collisions with animals
  • Fires and explosions
  • Hail
  • Natural disasters

How Much Is My Deductible With Comprehensive Coverage?

Like other coverages, your deductible depends on the level of coverage you choose. Because your deductible is the amount of money you’ll be responsible to pay out of pocket, you get to select the coverage that fits your budget best. Most deductibles range between $100 - $1,000.

Why Do I Need Comprehensive Coverage If My Motorcycle’s Paid Off?

Great question! When the unexpected happens, you shouldn’t be out the cost to pay for damages or to replace your motorcycle outright if it’s totaled. And just because your bike’s paid off, there’s no reason to lose this important protection. Comprehensive coverage gives you that extra piece of mind whether you’re touring across the country or running an errand across town.

Is My Custom Bike Covered When I Purchase a Comprehensive Motorcycle Insurance Policy?

Yes! Our comprehensive coverage automatically covers your chopper up to $3,000, and there are higher limits above that, too. High-end customizations and tricked-out custom parts are covered under separate, custom policies. Contact your agent for details on accessory coverage options for your specialized ride.

If My Bike Breaks Down on the Road, Will Comprehensive Cover Me?

While comprehensive doesn’t cover you for a breakdown, we do offer motorcycle emergency roadside assistance coverage. This optional coverage offers:

  • Flat tire repair
  • Motorcycle towing services
  • Battery failure
  • Gasoline, oil and fluids delivery
  • Locksmith services
  • Roadside repairs

What Other Insurance Is Available for My Motorcycle?

Building a policy that’s unique to your lifestyle and your budget is what we’re all about. Like car insurance, the motorcycle insurance offered below can be customized to protect you best. Here are some of the ways our various types of motorcycle insurance can cover you:

Property damage and bodily injury liability insurance. When you’re found legally responsible for damages to someone else’s property, or for the injuries to others, you’ll have extra protection. Our liability coverages give you peace of mind, and also can help cover the costs for their medical expenses and/or lost wages.

Motorcycle collision coverage. If you get into an accident with another vehicle or object, collision insurance protects you whether you’re at fault or not.

Uninsured and underinsured motorcycle insurance coverage. Similar to vehicular uninsured / underinsured motorist coverage, you’ll be protected if an at-fault driver can’t or won’t pay for damages.

What Discounts Are Available for Motorcyclists?

American Family Insurance offers several discounts specifically for bikers like you. From insuring multiple motorcycles with us, to a break in costs for being covered with American Family across the whole year, we’ll help you save wherever you’re eligible.

We’re an insurance company that values training and safety — that’s why we’ll reward your dedication with a discount after you’ve completed our motorcycle safety course. You’ll also receive the benefit of a discount when you ride with motorcycle safety equipment on board and if you’ve got an anti-theft device on your bike too. Ride safe, and you’ll be rewarded.

There’s nothing like the feeling of freedom you get when you hit the open road. With our comprehensive protection, you’ll be able to ride with the confidence that the investments you’ve made to pursue your dreams are well-protected.