WHAT DOES MOTORCYCLE INSURANCE COVER?

Including collision and comprehensive coverages on your motorcycle insurance policy may keep you covered if your bike is stolen or damaged.

In addition, you may make coverage choices to ensure you are optimally protected instead of basic motorcycle insurance requirements. Here is more information about the basics of motorcycle insurance.

The most common features of a motorcycle insurance policy are:

When an at-fault accident results in injury or death to others, Bodily Injury Liability motorcycle insurance coverage can help protect you from paying for their treatment out of pocket. This coverage may pay for lost wages, medical payments, pain management, suffering, and death.

If an at-fault incident causes damage to another person's property, your selection of this coverage with Harley-Davidson® Insurance may help protect you from paying out of pocket.

Uninsured and underinsured Motorist Bodily Injury coverage, and Uninsured and Underinsured Motorist Property Damage coverage are available to help pay for medical costs and property damage when the owner or operator of an uninsured or underinsured motor vehicle is at fault.

Uninsured and underinsured Motorist Property Damage coverage may cover damages to your motorcycle if the other vehicle operator does not have the insurance to cover the cost of repair or replacement for your bike.

Personal Injury Protection provides coverage for medical expenses, up to a specified limit in most states for the insured or any other eligible person as the result of an accident—regardless of who was at fault. This may include coverage for non-medical expenses, such as wage loss and death benefits. However, coverage availability is limited in some states. Your options will be explained during the quote process.

Motorcycle collision coverage provides the extra coverage you may need to pay for damages when your motorcycle hits—or is hit by—another object or vehicle. Unlike many providers of auto insurance, we offer motorcycle accident forgiveness in certain cases. Just because an unexpected accident happened doesn't mean your motorcycle insurance premium should jump.

Sometimes accidents happen that aren't covered under collision coverage. However, motorcycle theft, fire, and vandalism may be covered under comprehensive coverage so that you can be prepared for the unexpected.

There's no set price for the cost of a motorcycle insurance policy. The average cost of motorcycle insurance varies depending on what state, zip code, and level of coverage you choose. Generally, a higher deductible will translate to a lower premium.

To properly compare pricing, you need to request quotes for the same level of coverage from multiple insurance carriers.

At Harley-Davidson Insurance Services, we offer optional coverages with motorcycle riders in mind. We strive to provide the best coverages around to ensure that you're covered in case of unforeseen accidents.

We are rider-focused and offer support and coverages that other insurance providers can't compete with. With us, you can make sure your insurance policy is tailored to your needs.

Here are a few offerings that make Harley-Davidson Insurance Services special.

There are so many ways to save.

All H.O.G.® members (Harley Owners Group® riding club), motorcycle safety course graduates, new bike owners, longtime motorcyclists, homeowners, multiple bike owners, military members, and law enforcement can all expect some form of discount on their motorcycle policy.

You can even get deals for paying up-front, a discount at renewal for being claim free, or purchasing other Harley protection products.

Is your motorcycle your only mode of transportation?

How will you get around if it's undrivable due to an unforeseen accident?

With Rental Reimbursement coverage from Harley-Davidson Insurance Services, we'll pay for eligible transportation expenses up to coverage limits in qualifying circumstances.

Not every motorcycle ride goes smoothly. Mechanical or electrical breakdowns can and do happen, and eventually, you'll need help. You can get 24-hour towing and roadside service with Harley-Davidson Insurance Services Roadside Assistance coverage for the following situations:

• running out of fuel, oil, or water

• electrical breakdown

• battery failure

• lost key

• flat tire(s)

Want to rent a bike just for the fun of it while you are traveling?

With our Vacation Rental coverage, you get the same level of coverage on a rental motorcycle from a licensed facility or dealer as you would on your bike. It's the perfect way to see the world on two wheels while maintaining your motorcycle coverage.

If your new motorcycle is written off as a total loss, you can get it replaced—and not at the depreciation value–with our replacement cost coverage.

If your accessories are stolen or destroyed alongside a total motorcycle loss, you're covered for the replacement cost of that equipment with Optional Equipment Replacement Cost coverage.

Ever wondered if motorcycle insurance covers other riders? At Harley-Davidson Insurance Services, we understand the value of riding with friends and family. But we also know that, occasionally, unforeseen accidents happen. With Guest Passenger Liability insurance, your passenger may receive coverage for bodily injuries sustained on your bike when the operator is at fault.

If your bike of choice is a Harley® motorcycle and you have genuine Harley-Davidson® parts on your motorcycle, we'll replace them with genuine Harley-Davidson® parts whenever available. We won't settle for anything less. After all, you want your bike to be authentic from top to bottom. And we couldn't agree more.

At Harley-Davidson Insurance Services, there are many types of plans to be explored, whether you are looking for a basic policy or something more comprehensive. Contact a Harley-Davidson® insurance agent today to get a quote and hear more about our motorcycle insurance coverage options, no matter what type of bike you ride.