When it comes to your motorcycle/ATV and snowmobile as well as your passengers, you need the best insurance to stay protected on and off the road. This type of insurance can cover collision damage costs, medical payments, theft, covered natural disaster damages and much more.
Bodily injury liability insurance pays for physical harm in the event of an accident. This does not cover medical expenses for the driver, but it does cover medical expenses for passengers and the other driver who was hit. Typical coverage limits are $100,000 per person/$300,000 per accident.
Property damage liability insurance covers the cost of damages to someone else's property after an accident you cause. Most commonly, your property damage will pay out when you are at fault for an accident that causes damage to someone else's motorcycle/ATV or snowmobile. The typical limit is $100,000 per accident.
Medical Payments Coverage pays for injuries to a person riding the vehicle. No deductible applies.
Enhanced Injury Protection is an optional coverage which includes two components: an income loss benefit that pays up to the weekly limit to the insured for income lost due to injury resulting from a covered accident, and a death benefit that is payable to the surviving spouse or estate of the insured if the named insured is killed as a result of a covered accident. This coverage applies to each named insured and his/her spouse.
Uninsured motorist coverage protects you if you're in an accident with an at-fault driver who doesn't carry liability insurance. Underinsured motorist coverage, on the other hand, steps in when you're in an accident with an at-fault driver whose liability limits are too low to cover the damage or medical expenses. The typical coverage is $100,000 per person/$300,000 per accident.
Comprehensive insurance covers damages from events that are not caused by a vehicle driving into something else. Some common examples are Natural disasters: storms, tornadoes, hurricanes, earthquakes, hailstorms; Fire, civil commotions, explosions; Vandalism and theft; Damage from impacts with animals, such as a deer (Note: a crash from swerving to avoid animals will likely fall under collision); Broken or shattered windows and windshield; Falling objects (such as a tree branch).
Whether your vehicle is involved in a crash with another vehicle or rammed into a fixed structure, you can rely on collision insurance to offer you coverage. A few examples of crashes that would be covered by collision insurance: Crash into another vehicle, or another vehicle crashes into your parked vehicle; driving into a stationary object, such as a tree, streetlight, or pole; crashing into a ditch or a pothole; rollovers; hit-and-runs, if you can't use uninsured motorist coverage.
Roadside Assistance Coverage provides towing to the nearest qualified repair facility and the necessary labor at the place of disablement when the vehicle is disabled due to mechanical or electrical breakdown, battery failure, flat tire, lockout, insufficient supply of fuel, oil, water or other fluids, or entrapment in snow, mud, water or sand, depending on the company.
Trip interruption coverage is provided for mechanical breakdowns and covered comprehensive and collision losses. The coverage provides daily maximums for lodging, for alternative transportation, and for food while the covered vehicle is being repaired, up to a maximum amount per occurrence. Each company has their own limits and qualifications.
Carried Contents coverage will pay for the insured's owned personal property (such as hunting gear or camping gear) that are damaged, destroyed or stolen while using the insured vehicle. Specific limits and deductibles will apply depending on the company.
Accessory Coverage may be purchased on any vehicle when, at the minimum, Comprehensive Coverage is selected. Coverage provides physical damage protection to equipment, devices, accessories, enhancements, and changes, other than those which are original manufacturer installed, which are permanently installed or attached, and alter the appearance or performance of the vehicle. Some examples of accessories may include: antennas and other devices used exclusively to send or receive audio, visual or data signals other than those which are original manufacturer installed; Sidecars; Trailers designed to be pulled behind a motorcycle or off road vehicle; Trike conversion kits; Custom paint, plating or exhaust; Mower blades, plow blades or winches. Each company has their own limits and qualifications for this type of coverage.