Protecting Yourself And Passengers
You are required by state law to carry liability coverage to help protect others in case you're found at fault in an accident. It's the law!
Medical Payments - This coverage provides payments for reasonable medical treatment for you or another injured person in the event of an accident.
Uninsured / Underinsured Motorist - This protection will cover damages caused by those drivers who fail to carry any insurance at all, or don't carry enough to pay for the damages.
Protecting Your Motorcycle
Collision - Pays for the repairs or replacement of your motorcycle in the case of a covered accident. Generally, you'll use this coverage if you are at fault, but in other cases it can be used even if you're not at fault and the other insurance company is slow to settle the claim. Once they do, your insurance company will refund you back your deductible.
Comprehensive - This motorcycle insurance coverage pays for covered losses from damages caused by peril other than collision. Typically, this would include fire, theft, vandalism, storm damage and other covered causes.
Added Equipment Coverage - Have you added on some custom options to your motorcycle? You may need to have this coverage added to your policy. It covers a loss for equipment that was not included as standard equipment, or equipment that was not permanently installed by the manufacturer. This is an important coverage to consider adding.
Towing - This option provides for reimbursement of towing charges up to the policy limit in the event your motorcycle breaks down.
Rental Reimbursement - In the event of a covered loss, if you also have comp and collision coverage on your policy, you can have rental transportation while your motorcycle is being repaired. You'll be able to rent a car and the policy will reimburse your expense up to the policy limits.
Or
Roadside Assistance/Trip Interruption
Roadside Assistance coverage provides you with the following benefits:
- Provides towing to the nearest qualified repair facility and necessary labor at the place of disablement when the vehicle is disabled due to mechanical or electrical breakdown, battery failure, flat tire, lockout, insufficient supply of fuel, oil, water or other fluids, or entrapment in snow, mud, water or sand within 100 feet of the roadway.
- Toll-free number to call for help.
- Service is available anywhere in the U.S. and Canada, 24 hours a day, 7 days a week.
- When using a qualified repair facility, Progressive will pay them directly for covered services.
- Assistance even if your vehicle breaks down in your driveway.
- Prompt response time and quality service.
If you contact a service provider on your own or if you directly pay for any roadside service that is covered under your policy, you can still report your claim to us and your request for reimbursement will be processed according to the coverage provided under your policy.
Trip interruption coverage
Trip interruption coverage is provided for mechanical breakdowns and covered comprehensive and collision losses. The mechanical breakdown or covered loss must occur more than 100 miles from your primary residence.
The coverage provides daily maximums of $100 for lodging, $50 for alternative transportation, and $50 for food while the covered vehicle is being repaired, up to $500 per occurrence.
Other Discounts
Multiple Motorcycles - Many motorcycle insurers will offer a multi-cycle discount if you have more than one motorcycle on the same policy. This discount can really add up over time, so check to see that a company offers this coverage if this applies to you.
Motorcycle Safety Course Discount - This is another discount you may be eligible for if you have passed a motorcycle safety course. Generally, the discount applies for up to 3 years after certification.
So, lets make sure we have covered all our basis and are able to enjoy the cruise instead of thinking are we really fully covered!
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