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Motorcycle Insurance

Why Is Motorcycle Insurance Important?

Motorcycle Insurance in MinnesotaMotorcycle insurance can protect you from the financial consequences of an accident, including bodily injury and property damage to another person, medical bills, and repairing your damaged bike.

There are a variety of coverage types available, some which are required by law and others that are voluntary. We’ll help determine the level of coverage that is right for you. Give us a call at (651) 636-6911 or request a quote comparison to get started.

Motorcycle Insurance Coverage

Collision – Pays for damage caused to your bike in an accident. Standard collision coverage will pay for any repairs up to the fair market value of your bike and usually comes with a deductible. A deductible 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 – Covers damage to your bike from something other than a collision, such as if it were stolen or vandalized. Flood, hurricane, theft, windshield damage and fire are also events usually covered by comprehensive. Like collision, comprehensive will pay up to the fair market value of your bike (less your insurance deductible).

Liability – Liability insurance is required by MN state law because it pays for injuries and damages to you cause to someone else. Bodily injury liability pays medical bills and lost wages, while property damage liability pays for damage to vehicles or other property.

Uninsured/Underinsured Motorist Liability – Covers you and your passengers in case you’re injured by a driver that has no insurance or not enough insurance.

Custom Parts & Equipment – Pays for custom parts that have been added to your bike, if it’s damaged in a covered loss.

Medical Payments – Pays for medical bills for you or your passenger if you’re injured in an accident.

And More – There are a variety of additional coverage options that can be added to your policy, depending on your needs.


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