What is Motorcycle Insurance? | Allstate Insurance

What is Motorcycle Insurance? | Allstate Insurance

Hi, I’m Amy Alward.

I’m an Allstate agency owner with offices in the Portland, Maine, area.

I’m here to talk about motorcycle insurance.

A motorcycle insurance policy is a package of coverages you select to help protect you

and your bike.

Like car insurance, most states require motorcyclists to carry a minimum amount of liability coverage.

Additional coverage, such as collision and comprehensive, may be optional or required,

depending on whether you own or finance your motorcycle.

There was this one customer who was working toward getting his motorcycle license and

called me to ensure his new touring bike.

Not too long after, I read about a terrible motorcycle accident in the newspaper.

Then, the customer called me from the hospital.

He wrecked his bike just after driving off the dealership lot.

He and his bike fell from an exit ramp onto the freeway and collided with a flatbed truck.

Fortunately, he was OK.

He was wearing a helmet and leather gear, but he still had a broken leg and bad abrasions.

He called me to help start a claim.

His motorcycle insurance policy included medical payments coverage, which helped pay a portion

of his medical bills.

Liability coverage helped pay for damage to the truck he hit.

Finally, his motorcycle was totaled.

His collision coverage helped reimburse him for the destroyed bike.

In all, his insurance covered about $20,000, minus his $500 deductible.

Without motorcycle insurance, he would’ve had to pay much more out of pocket for expenses

from the accident.

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