Motorcycle Insurance FAQ

Is motorcycle insurance required?

Liability insurance is required in every state and the District of Columbia. The amount varies from state-to-state.

How does motorcycle insurance work?

It works the same way car insurance does. Your liability insurance will cover damages from an accident where you are at-fault. If you have comprehensive insurance, you will be covered for losses not by a collision, like theft, for example.

What happens if my passenger is injured?

Except for limited instances in Indiana, some policies include liability insurance that covers you if your passenger is injured.

Does my policy cover guest riders?

In most states, guests riding your motorcycle are covered on your policy. However, this coverage can be optional in some states.

Are my safety accessories included in the coverage?

Helmets, leathers, gloves, and any other clothing designed to minimize injury are considered safety apparel. If you have comprehensive or collision coverage, you are automatically covered for damage to DOT approved helmets (after paying the deductible) and safety apparel that was damaged in an accident.

Should I cancel my policy while my bike’s being stored for the season?

If you store your bike, it’s always a good idea to maintain coverage. Your policy may include seasonal pricing that accounts for the amount of time riders spend on the road in cold climates. Check your policy for more information.

Where can I get motorcycle insurance?

Insure One offers dependable and affordable motorcycle insurance. Call us now for a free motorcycle insurance quote.

Do I have to add all motorcycle riders in my home to my policy?

Every person in your household who rides the bike must be on the policy, as well as anyone who has a motorcycle license unless they have their own coverage. Consult your insurance agent for more information.

How do I add another bike to my policy?

Adding another motorcycle is your policy is easy. Just call us today and we will assist you.