Why You Need motorcycle Insurance

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Spot On Coverage

Some of the motorcycles we help find coverage for:

Sports Bikes
Dirt Bikes
Scooters
Electric Bikes
Tour Bikes
Cruisers

REQUIRED BY LAW:

Michigan mandates that all drivers purchase two motorcycle insurance coverages.

LIABILITY PROTECTION:

Shield yourself from liability for injuries, property damage, and lawsuits.

YOUR MEDICAL EXPENSES:

Ensure coverage for medical expenses for you and your passenger in case of an accident.

PROTECTION FOR YOUR MOTORCYCLE:

The two required coverages in Michigan do not provide protection for damage or replacement of your motorcycle.  To ensure coverage for your motorcycle, Collision and Comprehensive coverages are needed. 

Michigan Law Requires You to Purchase Two Motorcycle Coverages:

Bodily Injury Liability(BI):

This coverage pays for the medical expenses of others if you’re at fault in an accident involving your motorcycle.  BI coverage also extends to passengers in other vehicles, as well as pedestrians or cyclists who may be injured.  BI includes compensation for medical costs, pain and suffering, and lost wages for the injured parties.

However, BI does not cover injuries to you or your passengers.  To cover injuries to you and your passengers, you need to purchase optional medical coverage. 

Personal Damage Liability (PD): 

This coverage pays for the medical expenses of others if you’re at fault in an accident involving your motorcycle.  BI coverage also extends to passengers in other vehicles, as well as pedestrians or cyclists who may be injured.  BI includes compensation for medical costs, pain and suffering, and lost wages for the injured parties.

However, BI does not cover injuries to you or your passengers.  To cover injuries to you and your passengers, you need to purchase optional medical coverage. 

Optional Motorcycle Insurance Coverages:

Collision Coverage:

Assists in covering the cost of repairing or replacing your motorcycle after an accident, regardless of fault.

Example: When trying to avoid hitting a deer, you collide with a guardrail, resulting in $5,000 worth of damage to your motorcycle. With a $500 collision deductible, you cover that amount, and your insurance company pays the remaining $4,500.

Comprehensive Coverage:

Provides protection against non-collision events that are out of your control, such as theft, fire, vandalism and more.

Example: Your motorcycle sustains $1,500 in damage from a hailstorm. With comprehensive coverage and a $250 deductible, your insurance company will cover $1,250 of the repair costs, leaving you responsible for the remaining $250 to get your motorcycle fixed.

Uninsured/Underinsured Motorist Coverage (UM/UIM):

Provides coverage for injuries and property damage resulting from an accident caused by a driver with little or no insurance.

Example: While jogging, you’re struck by an uninsured driver. Your injuries result in $15,000 in medical bills. Fortunately, you have UM/UIM coverage with limits of $100,000/$300,000, ensuring that all your bills are fully covered within the policy limits.

Medical Coverage:

Covers injuries sustained by you or your passengers, regardless of fault.

Example: You and your passenger sustain injuries when you lose control of your motorcycle and crash.  The accident necessitated $10,000 for medical care and rehabilitation. Fortunately, you have a $20,000 medical coverage limit that fully covers all your bills.

Roadside Assistance Coverage:

Provides towing services if your motorcycle breaks down for any reason.

Example: You’re unable to change a flat tire by yourself. Fortunately, you have roadside assistance coverage with a $100 per tow limit, which covers the cost of towing your bike to the nearest repair shop.

Carried Contents Coverage:

Protects any personal belongings you’re carrying when a covered loss occurs, such as theft.

Example: Your motorcycle’s storage compartment is broken into, and your smartphone, wallet, and camera are stolen. Receive coverage for the replacement of these stolen items.

Potential Savings to Explore:

Insurance discounts can differ depending on the insurance provider you select.  It is important to note that not all carriers offer the same discounts.

Payment Discounts:

Pay on Time Discount:  Receive an automaticdiscount with your first policy and continue to enjoy it at every renewal by paying on time.

Pay in Full Discount:  Save by paying your entire premium upfront instead of making monthly payments.

Automatic Payments Discount:  Receive a discount for setting up automatic payments from a checking account, credit card, or debit card.

Safe Driving Rewards:

Diminishing Deductible:  Gradually reduces your collision deductible over time for each claim free year.

Safety Course Discount: Lower you motorcycle insurance rate by completing an approved motorcycle safety course.

Responsible Driver Discount:  Earn a discount if you’ve had no accidents or motor vehicle violations for the past three years.

Safe & Steady Driver Discount:  If you’re at least 45 years old with more than three years of riding experience and no accidents or motor vehicle violations for the past three years, you can qualify for a discount.

Small Accident Forgiveness:  Earn accident forgiveness from the start of your motorcycle policy. Your rate won’t increase for claims of $500 or less.

Safe Driver Discount:  Your discount may vary from term to term based on your actual driving.

Large Accident Forgiveness:  Your rate remains unaffected by any motorcycle accident if you’ve been a customer for at least four years and have maintained an accident-free record for the past three years.

Policyholder Savings:

Quote in Advance Discount:  Receive a discount by obtaining a quote at least one day before your policy starts.

Association Member Discount:  Qualify for a discount if you belong to the Harley Owners Group.

Motorcycle Endorsement Discount:  Earn a discount by getting a valid motorcycle driver’s license or adding a motorcycle endorsement to your driver’s license, indicating legal permission to operate a motorcycle in Michigan.

Switch & Save Discount:  Already insured by another company? Switch and receive a discount on your motorcycle insurance policy.

Flexi-Bundle™ & Save:

Flexi-Bundle™ Discount:  Combine up to four insurance products and select from up to four insurance carriers.

Frequently Asked Questions

Here are some things to consider when deciding whether to file a claim:

  • Was anyone injured in the accident?
  • Did you cause damage to someone else’s property or vehicle?
  • Is your motorcycle unsafe to drive?
  • Do the damages exceed your deductible?
  • Is the issue related to maintenance or normal wear-and-tear?

If you answered yes to one or more of these questions, it’s advisable to consider filing a claim. If you have further questions about the claims process, don’t hesitate to contact your insurance carrier directly.

A deductible is the amount of money you must pay out of pocket for covered expenses before your insurance coverage begins to apply.

For example, if your motorcycle insurance collision deductible is $250 and you incur $1,000 in damages, the insurance company will pay the repair shop $750, and you would be responsible for paying your $250 deductible.

Motorcycle liability coverage limits in Michigan apply to Bodily Injury (BI), Property Damage (PD), Uninsured Motorist (UM) and Underinsured Motorist (UIM) coverages.

They are typically written out as three numbers like 25/50/25. Here’s what they mean:

  • $25,000 limit per person for Bodily Injury in an accident
  • $50,000 total limit per accident for Bodily Injury
  • $25,000 limit per accident for Property Damage.

Step 1: Document the Scene

  • Take photos of the damage to all vehicles involved.
  • Capture the positions of the vehicles.
  • Photograph the license plates of the other vehicles.

Step 2: Exchange Information

  • Share insurance details with other drivers and note any passengers.
  • Contact the police to assist with information exchange and file a police report.
  • Try not to apologize or make statements that could be construed as admitting fault.

Step 3: Collect Additional Information

  • Make note of the accident location.
  • Make note of the towing company if your motorcycle requires towing.

Step 4: Notify Your Insurance Carrier

You have two payment options:

Option 1:  Click the Carrier tab, scroll to locate your carrier. Most carriers accept online payments via check, credit card, or ACH.  Click on your carrier’s name and proceed to make your payment.

Option 2:  Click the Customer Center tab. Scroll down to find the Input1 icon. Input1 offers digital payment options, including ApplePay and eWallet.  Click on the Input1 icon, log in, and make your payment. 

Report The Claim by Phone:

  • Click on the Carrier tab.
  • Locate your insurance carrier.
  • Use the carrier’s claims phone number to report the claim.

Report The Claim Online:

  • Click on the Carrier tab.
  • Use the carrier’s claims website link to report the claim online.

Absolutely. We use secure encryption technology to keep your personal information safe. When it comes to your application, we never pull your data without your approval first. We will also never sell your data to any third party…ever.

If you have questions, you can call, text, email, or live chat with a real expert at Insurish who is standing by to help. No matter how you contact us, we will get back to you immediately. For help, click the Contact Us tab.

We offer insurance solutions for all your personal needs like auto, home, life, health & more. We also offer products for all your business needs, like liability, property, trucks & more. We don’t stop there! We also offer a wide array of car care and safety & security products.

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Please Note:

At Insurish, we provide general information on insurance products to help you grasp their different aspects. It’s important to note that this information isn’t an insurance policy and doesn’t pertain to any specific carrier’s policy. It doesn’t alter any provisions, limitations, or exclusions expressly stated in an insurance policy. Descriptions of coverages, discounts, and features are concise. For a comprehensive understanding of specific policy details, we recommend reading the applicable policy and consulting an Insurish agent. Coverages and features vary by insurer and state and may not be available in all states. Coverage for accidents or losses depends on the terms and conditions of the actual insurance policy. References to premiums, losses, deductibles, and costs are illustrative and may not apply to your circumstances. Insurish is not liable for the content of third-party sites linked from this page.