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We'll show what coverages may be available and how to get the personalized protection you need. Even if you've been riding for years, it's a good idea to take a close look at your motorcycle insurance coverage. Things change and chances are you've got a lot to look out for. For people who have turned to scooters for gas savings -- or just because they're fun -- you'll be happy to know that Allstate offers coverage for those too. No matter the engine size, gas or electric, Allstate provides scooter insurance for most street-legal vehicles offering the same great protection and discounts as our motorcycle coverage. Coverage options include: Medical payments, Personal Injury, Collision, Comprehensive, Uninsured Motorist, Property Damage, Bodily Injury. Be smart and safe by following some basic motorcycle safety tips; before you hit the road give your bike a once over and invest in good gear. Discounts: Think you deserve a break? We do, too. We can save you up to 40% on motorcycle insurance coverage every year. Check out these discounts: "I have more than one bike" We'll cut you a deal if your motorcycle insurance policy covers more than one bike with the Multiple Motorcycle Discount. "I have other Allstate policies" If your auto, homeowners or condo insurance is through Allstate, you can save money on all your policies with the Multiple Policy Discount if you are eligible. "I'm a good rider" You can save big on your premium just for driving safely.
If you've gone more than 60 months without an accident where you were at fault and during that time you've had no more than one minor violation, the Good Rider Discount is all yours. I'm transferring my policy from another insurance company" The Transfer Discount can save you money-just for switching your policy to Allstate. "I belong to a motorcycle organization" Talk about membership benefits: With Motorcycle Organization Discount* you can save on your premium just for being in one of the organizations on our list. - American Motorcycle Association
- BMW Motorcycle Owners of America
- Gold Wing Road Riders Association
- Gold Wing Touring Association
- Harley Owners Group
- Honda Riders Club of America
- Motorcycle Safety Foundation
- Motorcycle Touring Association
"I've taken a motorcycle safety course" If you participated in a Motorcycle Safe Driving Program sometime in the last 36 months, you can help lower your premium with this discount. This Motorcycle Safety Course Discount only applies if you took the program voluntarily and passed. Details of Motorcycle Coverage Medical Payments
Medical Payments typically covers reasonable and necessary medical expenses that are the result of any injury to you or your passengers. Some examples of expenses that might be covered include ambulance, hospital, x-ray, dental and surgical. Personal Injury Protection
If you're hurt in an accident or worse, expenses could add up faster than you imagine. That's where this coverage can help with reimbursements for: - Medical and hospital expenses
- Lost income
- Services you would normally do yourself
- Funeral expenses
- Child care expenses
You're typically covered regardless of who was at fault. Personal Injury Protection is only available in certain states. Take care of your bike and it'll take care of you, right? There are three kinds of motorcycle insurance coverage that typically help get your bike back on the road. Collision
A collision almost always means damage to your motorcycle. And that's just what this coverage is for. It typically covers damages to your motorcycle that result from a collision with another object, which could include another car or motorcycle, a tree or a building. Comprehensive
It doesn't always take two vehicles to make an accident. Comprehensive Coverage typically covers your bike if it's damaged by: - Flooding
- Wind
- Vandalism
- Theft
- Some other reason that doesn't involve a crash with another vehicle
You get to choose the amount of your deductible (the amount you pay before eligible coverage kicks in). Comprehensive Coverage typically covers the cost of repairing or replacing your bike up to the actual cash value. Uninsured/Underinsured Motorist Bodily Injury
If an accident isn't your fault, you don't want to pay for the other guy's mistake. Especially if he doesn't have enough insurance coverage or any at all. This coverage typically covers damages that result from the injury or death of you or a passenger on your motorcycle caused by an uninsured or underinsured driver. Different states have different requirements for which coverage to have and how much. If you're in an accident there's a good chance someone else was involved. And if you're at fault, you'll want strong motorcycle liability insurance. Property Damage Liability
If you're at fault in an accident and cause damage to others' property, Property Damage Liability Coverage typically covers damages that result from the damage to another person's property when you are at fault. Some of the things you may be liable for include vehicles, private residences and storefronts and other structures. Bodily Injury Liability
If you're at fault in a crash, it might be your responsibility to cover the medical bills for your passenger or the other driver. In a case like that, Bodily Injury Liability typically covers damages that result from the injury or death of another driver or a guest passenger on your motorcycle when you are at fault. Some of the things you may be liable for include medical expenses, lost wages and pain and suffering. (In most states, bodily injury to guest passengers on your motorcycle is automatically provided under this coverage. In other states, you can pay an additional premium so that Bodily Injury Liability also applies to guest passengers.) *In some states, bodily injury to a passenger is covered separately under Passenger Liability coverage.
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