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Motorcycle Insurance

WE PROVIDE YOU WITH THE AUTO INSURANCE COVERAGE YOU NEED

If you drive a motorcycle, you need the protection of a  Motorcycle Insurance policy. It will it give you and your loved ones peace of mind.

A Motorcycle Insurance policy will protect you, your motorcycle and your passengers against damages that may occur in an accident.

Motorcycle Insurance is required in most states.

EXTRA COVERAGES

Of course, you always have the option of adding additional coverage. A Colstan & Associates agent will work with you to determine what additional coverages are best suited for you.

To help you get started, here are some of your options:

 

Total Loss Coverage for New Bike

If your motorcycle is no more than one model year old on a new policy, and two model years old during a renewal, Total Loss Coverage Policy enables you the full manufacturer’s suggested retail price for a brand new bike,  minus your deductible.

 

Personal Belongings

Chances are you carry various personal items with you when you ride – including cell phones, clothing, equipment for camping or hunting, etc. If any of your belongings are damaged, stolen or lost, this will cover those losses.

 

Roadside Assistance and Trip Interruption

If your vehicle breaks down on the road, as long as you are within 100 feet of the road, your bike will be towed to the nearest repair shop at no cost. Once you have Roadside Assistance coverage, you may want to consider adding Trip Interruption coverage to protect for food and lodging expenses up to $500 (Roadside Assistance must be purchased first).

 

Enhanced Injury Protection

If you are injured and unable to work due to a motorcycle accident, Enhanced Injury Protection will pay you up to $250, every week, for two years.   Built-in life insurance will also be added to this so in the case of a fatal accident, your beneficiaries will receive $25,000.

 

Disappearing Deductible

For every policy term you where you don’t file a claim, your deductible will be reduced by 25%. If you do have to file a claim, your deductible returns to its original amount at the next renewal. (This coverage is not available in every state.)

 

Contact a Colstan & Associates agent today to discuss purchasing a Motorcycle Insurance policy.

STANDARD COVERAGES

Whether your motorcycle is customized or classic, whether it’s a street or dirt bike, a standard or touring bike, a cruiser or two-wheeled model, an insurance policy for your vehicle includes these standard coverages:

Bodily Injury and Property Damage Liability

Under this plan, damages to other vehicles, fences, mailboxes, signs and other property, injuries sustained by other drivers/motorcyclists and passengers are all covered. In the event that you are sued, this will also pay for your legal expenses.

 

Comprehensive and Collision

This guarantees coverage of repairs or replacement of your motorcycle in case your bike is stolen or damaged. We have a choice of coverage options to suit your needs.

 

Uninsured/Underinsured Motorist

If you are involved in an accident that is not your fault, and the driver who is responsible for the accident doesn’t have enough insurance, we can help. The Uninsured/Underinsured Motorist coverage pays for damages to your motorcycle, covers your medical bills, as well any loss of wages you experience, due to the accident.

 

Medical Payments

Whether an accident is your fault or someone else’s, this will pay for the medical bills incurred by you or your passengers. There is a range of coverage limits that you can choose from.

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