Motorcycle Insurance

Motorcycle Insurance

Protecting yourself, your bike, your wallet, and others, all at the same time. This page will show you everything you need to know about motorcycle insurance.

Components of motorcycle insurance

3rd Generation insurance has insurance options for every scenario. Here are some of the main components of motorcycle insurance:

Bodily Injury Liability

If you were a fault for causing an accident, it might be you responsibility to pay the cost of medical bills for you and your passenger. Bodily Injury will reimburse you for medical bills inquired.

Personal Injury Protection

God forbid, if you were injured in a motorcycle accident, this protection will pay for some expenses like:

• Child care expenses

• Services you would normally do yourself

• Lost income

• Medical and hospital expenses

• Funeral expenses

NOTICE: Personal Injury Protection is required to carry in the state of Florida.

Uninsured/Underinsured Motorist Bodily Injury

No one wants to pay for an accident that wasn’t your fault. Uninsured/ Underinsured motorist insurance will pay for any damages that the other party can’t afford. Over 1 out of 5 drivers carry state minimums or no insurance at all. If that person was to damage you or your things, Uninsured/underinsured motorist will pay for the rest.

NOTICE: Uninsured/Underinsured Motorist does have limits of what it can cover. Talk to your agent to learn more about your limits.

Comprehensive

It is isn’t always an accident that damages for motorcycle. Comprehensive coverage will protect your motorcycle from:

• An event doesn’t involve a crash with another vehicle.

• Vandalism.

• Wind.

• Flooding.

• Theft.

Collision

Collision accidents are accidents that involve your vehicle colliding with another object. Some collision claims could include accidents from running into a tree, building, or other cars.

Property Damage Liability

Property damage liability will cover you in the unfortunate scenario that you caused damage or injury to someone else.

Motorcycle Insurance Features

There are several features that come with motorcycle insurance that you may not know about. Dependent on what you carry, your motorcycle policy might have these already. Check with your 3rd Generation Insurance agent to find more information on:

Towing at No Additional Cost

Towing coverage is free of charge if you insure a Harley-Davidson Touring or Touring Sport.

Guest Passenger Liability Coverage

This will give you some protection for the passenger riding on the back of your bike.

Custom Parts Coverage

3rd Generation Insurance know that a motorcycle could cost you a small fortune. With all the add-ons like: custom seats, custom exhausts, handles, and more, replacing you bike without these features is not the same. Custom parts coverage will provide for after-market parts damaged and in need of replacement.

First Accident Waiver

With first accident waiver, for the first 4 years you are with us, having your first accident won’t raise your rates.

Frequently Asked Mortcycle Insurance Questions

Related Motorcycle Insurance Questions