Motorcycle Insurance

For our clients motorcycles aren't just transportation, they're a way of life. We know motorcycle insurance because we love motorcycles too. Let us help you save money and protect your bike.

What does Motorcycle Insurance include?

The Liability coverage of Motorcycle insurance provides financial protection against physical damage and/or bodily injury resulting from collisions and it also protects against liability that could arise from the actions of the motorcycle driver. 

The Comprehensive coverage of Motorcycle insurance provides financial protection against theft of the motorcycle and the damage sustained to the bike while it’s not moving.

Motorcycle Insurance Coverages

There are several different motorcycle insurance coverages that can be included or added to the policy. Some may be required by law. Others are optional. The main motorcycle insurance details are:​
  • Bodily Injury Liability Coverage - Pays damages for bodily injury or death resulting from an accident for which you are at fault and provides you with a legal defense. This also includes passengers riding on your motorcycle.
  • Comprehensive -aka- Physical Damage Coverage - Covers physical damage or loss of your motorcycle (stolen) that is not the direct result of a moving vehicle collision.
  • Collision Coverage - Pays for damage to your motorcycle when it hits or is hit by another car or object, or if the motorcycle overturns. 
  • Property Damage Liability Coverage - Pays for property you cause damage to. 
  • Medical Payments Coverage - Pays medical expenses of you and you passenger riding on the motorcycle involved in a motorcycle accident.
  • Uninsured/Underinsured Motorist Coverage -  "Uninsured" coverage provides for you to receive damages for any injury you receive from an uninsured, negligent driver.  Your insurance actually acts as if it was the uninsureds policy and pays you according to your limits.   "Underinsured" coverage pays the difference between what the underinsured drivers policy limits will pay and what the you should be entitled to as if the uninsured motorist had proper insurance limits. (This situation is common when you are hit by a driver who carries "state minimum" limits.)
  • Motorcycle Roadside Assistance Coverage - Roadside assistance and breakdown coverage assist when a motorcycle has suffered a mechanical breakdown and leaves the operator stranded.
  • Accessory Coverage - Covers loss, theft, or damage to motorcycle accessories like saddlebags, and OEM electronics.
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5544 Broadway
Merrillville, IN 46410​
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​Customized Motorcycles Need Special Attention.

​Motorcycles, trikes or Slingshots that have been customized also need to have specialized coverages to properly protect you should you suffer from a physical damage incident (or in simpler terms, an accident).  

The addition of “non-factory installed or OEM” items like, chrome add-ons, saddle bags, lights and sound systems call for additional coverages.  If you don’t have these items added or “endorsed” to your policy, the insurance company is not obligated to compensate you for the loss of the add-ons. They are only responsible for paying to repair the bike back to its factory condition.

Not all carriers provide these extra coverages so be sure you check with your agent. We have shopped the markets for the carriers that excel in providing these coverages and have them here in our agency. Let us get you the proper insurance your needs today!

Contact us to learn more about Chicago and Indiana motorcycle insurance requirements and to find the right motorcycle insurance for you.