Motorcycle/ATV Insurance:

Motorcycle/ATV insurance is when you enter into a contract with an insurance company and they agree to pay all or most of the loss resulting from an accident, in exchange for your payment of a premium.

With help from your Insurance Agent, selecting the correct liability limits and coverages will help protect you and your motorcycle or ATV in the event of a traffic crash.

Motorcycle/ATV insurance has the same liability options available as auto insurance does, see auto insurance for an explanation of liability coverages. However, Motorcycle/ATV insurance has additional coverages available. Custom parts and accessories, medical payments and Guest Passenger Liability.

Custom Parts and Accessories

Custom parts and equipment covers after-market non-original factory installed equipment, devices, accessories, enhancements and changes which alter the appearance or performance of the motorcycle. Many policies cover the first $3,000 in custom parts and accessories.

Medical payments

Medical Payments (MedPay) coverage pays the cost of necessary medical care you receive as a result of a motorcycle accident and can be used regardless of who is at fault.

Guest Passenger Liability

Some insurance companies offer Guest Passenger Liability. Guest Passenger Liability is typically the same amount as your liability limit and pays for injuries a passenger on your motorcycle or ATV sustained in a crash.





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