Motorcycle Insurance Coverage

Protect Your Motorcycle - Today

Choosing the right insurance policy for your bike can help get you back on the road quickly if it is damaged or destroyed by accident, fire, theft, or other covered events. Your policy may also provide protection against medical and legal expenses resulting from injury, loss of life, or property damage caused by an accident involving your motorcycle. Contact Diedrich Family Insurance Agency to discuss the right motorcycle insurance coverage for you.

Motorcycle Insurance Requirements

Motorcycle insurance requirements vary by state. In Wisconsin, to drive, you must carry:

• Liability coverage - to pay for losses you cause others.
  
• Uninsured motorist coverage - to pay for losses in the event that the other driver is both legally responsible for the accident and is not insured.

Even in states where coverage isn’t required, drivers must, by law, be able to pay for losses they cause others. Having insurance is the simplest way for most people to comply.

Types of Coverage

Bodily Injury Liability Coverage

Insures you against certain damages if you injure someone or cause a fatality while operating your motorcycle. This coverage also may provide you with a legal defense if another party in the accident files a lawsuit against you.

Property Damage Liability Coverage

Insures you against certain damages caused to another person’s property while you are operating your vehicle. This coverage may also provide you with a legal defense for such claims if another party files a lawsuit against you.

Medical Payments

Choose options to cover medical costs that you or your passenger incurred after being involved in an accident, regardless of fault.

Uninsured / Underinsured Motorist Coverage

Just in case you are involved in an accident where the other driver either doesn’t have any or doesn't have enough insurance to cover your needs, we have options to make sure you are taken care of, no matter the circumstance.

Collision Insurance

Collision insurance coverage pays for damage caused to your motorcycle in an accident, regardless of fault. Collision coverage will pay for any repairs up to the fair market value of your bike. It usually comes with an insurance deductible, which is the amount of money you pay toward repairs before your collision insurance kicks in. The higher the deductible you’re willing to pay, the less the collision coverage will cost.

Comprehensive Insurance

Comprehensive insurance covers damage done to your motorcycle in some way other than a collision, such as theft or vandalism. Animal impact, hail, flood, hurricanes, and fire are also events usually covered by comprehensive motorcycle insurance. Like collision insurance, comprehensive insurance will pay up to the fair market value of your motorcycle (less your insurance deductible). And although it’s not legally required by any state, you will probably need it if your motorcycle is financed.

Rental Coverage

If your bike breaks down during a long road trip or just a trip to the store in town, we can get you set up with a rental to help with the inconvenience. This really comes in handy when you have somewhere you need to be.

Roadside Assistance

Whether you’re down the street or on a classic rally through the mountains, you’ll want to find coverage that will flatbed your bike to the closest qualified repair facility.

Accessory Coverage

We know you probably have put down some extra money to personalize your bike, and we have options to make sure that your upgrades are covered too if you ever had to re-customize your motorcycle after an accident.

Transport Coverage

For when your motorcycle is being transported in a trailer from one destination to another. We can make sure your bike is covered whether you’re riding it or not.