What does motorcycle insurance cover?

Motorcycle insurance covers damage to your motorcycle resulting from a covered incident if you carry comprehensive and collision coverages on your policy. While physical damage coverages are optional if you don't finance your bike, all motorcycle policies will include liability coverage, which kicks in if you're liable for another motorist's injuries or damages.

There are additional coverages that are optional and can be purchased for Motorcycles. Such as carried contents, custom parts and equipment, trailers etc.

Coverage can also be purchased for Off-Road Vehicles such as ATV's or UTV's.

What are the typical motorcycle insurance coverages?

Here are the standard motorcycle insurance coverages:

Liability - Liability coverage for motorcycles is mandatory in the state of Arizona and can pay for damages to other vehicles or objects, injuries to motorists, and lawsuits if you're liable due to a covered accident.

Comprehensive - Comprehensive coverage for motorcycles is typically required by your lender or leasing company if you're financing or leasing your bike and protects against events beyond your control, including theft, vandalism, windshield damage, fire, hitting an animal, and acts of nature. There is usually a deductible on comprehensive coverage.

Collision - Collision coverage for motorcycles is also usually required by your lender and can pay for damages resulting from a crash with another vehicle or object, regardless of who's at fault, and minus your policy's deductible.

Uninsured/underinsured Motorist - Uninsured motorist (UM) and underinsured motorist (UIM) covers your and your passengers' injuries, up to the limits of your policy, if you're hit by an uninsured or underinsured motorist.

Medical payments - This coverage pays for medical expenses for you and your passengers if you're in an accident, regardless of fault.

What doesn't motorcycle insurance cover?

Track days or competitions: If you ride your bike in races, timed events, speed tests, or on a track, you're typically excluded from coverage.

Commercial use: If you use your motorcycle for business purposes, you may not be covered while on the job. If you regularly use your bike for work (outside of commuting), consider a commercial vehicle insurance policy.

Wear and tear: Depreciation of your bike is typically not covered by motorcycle insurance.

What factors affect motorcycle insurance rates?

Here are some of the key factors that impact the cost of motorcycle insurance:

• Location
• Age and riding experience
• Speeding and traffic tickets
• Accidents and claim history
• Type of bike
• Insurance Score
• Coverages Selected

The AALL Difference

We work with multiple carriers to ensure we find the best fit, coverage and price.

How to get Motorcycle Insurance

Answer some questions about your property and then customize your coverages. Get Started Today!

Speak with a representative who can guide you through the process. Call 602-233-3333