Protect Your Passion with Comprehensive Coverage
It’s no secret that motorcycles statistically have a higher risk of accidents than any other vehicle. Coupled with a heightened risk of theft, motorcycles face unique challenges – on and off the road.
You can’t prevent the unexpected, but the right coverage can give you and your family peace of mind. From cruisers to ATVs, Veterans United Insurance has you covered, no matter what type of bike you ride.
Veterans United Insurance Can Help you Cover:
- Standard Motorcycles
- Cruisers
- Sport Bikes
- Touring Motorcycles
- Scooters and Mopeds
- Electric Bicycles
What does Motorcycle Insurance Cover?
Here are some common coverages included in standard motorcycle insurance policies:
- Liability coverage is the minimum amount of coverage required by law. Liability covers bodily injury and property damage you may cause to others in an accident. It includes medical expenses, lost wages, legal fees, and repair costs for damaged property.
- Collision coverage covers repair or replacement costs for your motorcycle if it’s damaged in a collision.
- Comprehensive coverage covers damage to your motorcycle from non-collision incidents such as theft, vandalism, fire, natural disasters, falling objects, or hitting an animal.
- Uninsured/Underinsured Motorist Coverage helps cover your expenses if you’re involved in an accident with a driver who doesn’t have insurance or doesn’t have enough coverage to pay for your damages.
- Medical Payments Coverage covers medical expenses for you and your passenger if you’re injured in an accident, regardless of fault.
Insider Tip:
Not sure which coverage should be included in your policy? An agent can talk you through real-life scenarios and evaluate your other insurance plans to ensure you only pay for the protection you need.
Why Choose Veterans United Insurance?
At Veterans United Insurance, our mission is to connect Veterans and service members with the best insurance options. In partnership with the #1 VA mortgage lender in the country*, Veterans United Home Loans, we aim to provide coverage tailored to the needs of riders who have served our nation.
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Motorcycle Insurance Frequently Asked Questions
Is Motorcycle Insurance Required?
Like auto insurance, motorcycle insurance is required to operate the vehicle legally.
Liability insurance covers the other party’s bodily and vehicular damages if you are at fault for the accident and is the minimum coverage you can hold by law.
However, some states legally require you to carry more than basic liability insurance, and if your motorcycle is not fully paid off, you may be obligated to carry more comprehensive coverage.
An agent can help guide you through your local coverage requirements.
Get Connected with an Agent Today!
Don’t hesitate to reach out to one of our insurance agents experienced in serving the unique needs of military families.
How much is motorcycle insurance per month?
Like most insurance policies, the cost of your motorcycle insurance will vary depending on your age, driving record, and various specifications regarding your motorcycle.
How does motorcycle insurance work?
Once you speak to an insurance agent and sign up for coverage, you will receive “proof” of insurance. Whether you keep a paper or digital copy, keep your proof of insurance handy at all times while you are riding.
In the event of a natural disaster or another unforeseen event, you will call your insurance provider. They will ask you questions regarding the nature of the accident to help decide who, if anyone, is at fault.
Your insurance company will guide you through the process of filing a claim. To make the process more seamless, try to be diligent in truthfully providing all requested information.
What does comprehensive motorcycle insurance cover?
Sometimes, the worst damage that can happen to a motorcycle doesn’t involve an on-road collision. Comprehensive motorcycle insurance could protect your motorcycle in cases of natural disasters, fire, theft, or even vandalism.
Scenario: Your motorcycle is stolen one night, and the police find it two days later on the side of the road. Even if the bike had never been found, your comprehensive motorcycle insurance could cover the replacement cost. If your motorcycle is located, your policy could cover dents and scratches it sustained while stolen.
