Covers things like medical expenses and lost wages that result from the injury or death of another driver when you’re at fault. In some states, this liability extends to passengers on your motorcycle, too. In others, it may be offered separately.
Property damage liability coverage
Covers damage to another person’s property when you are at fault. You may be liable for other vehicles, private residences, storefronts and other structures.
Covers reasonable and necessary medical expenses that are the result of any injury to you or your passengers, like ambulance rides and x-rays.
Personal injury protection
This type of coverage can reimburse you for medical expenses, lost income, funeral expenses, childcare and more if you’re hurt in an accident.
Covers damages to your motorcycle that result from a collision with another object, which can include another car or motorcycle, a tree or a building.
Covers damages to your motorcycle NOT caused by a crash with another vehicle—things like flooding, wind, vandalism and theft. You’re typically covered for repairs up to the actual cash value of your bike. Plus, you get to choose your deductible.
Uninsured/underinsured motorist bodily injury
If you get into an accident and an uninsured or underinsured driver is at fault, this covers your injuries as well as your passengers’. Different states have different requirements for this coverage.
Towing and labor
Reimburses you for the costs of towing and related labor if your motorcycle breaks down or you get in an accident. Policies for Harley-Davidson, Touring and Touring Sport bikes include this coverage automatically, but you can buy it for other kinds of bikes.
Helps cover the cost of a rental if your bike is stolen or being repaired in the shop.
Motorcycle and off-road vehicle transport trailer damage
Covers damage and loss of your trailer and motorcycle resulting from collision, rollover and most natural and man-made losses such as earthquakes and vandalism.
If your bike gets totaled or stolen, this pays the difference between what your motorcycle is worth and what you still owe on your loan or lease. To get this coverage, you need to have comprehensive and collision on the same policy.
Optional or added equipment
With Allstate, your policy automatically comes with $1,000 worth of coverage on after-market upgrades. You can buy extra coverage up to $30,000.