Motorcycle Coverages
Coverages
Collision
Covers the cost of repairing or replacing your motorcycle if you’re involved in an accident.
Comprehensive
Pays for damages to your motorcycle caused by factors other than collision, such as fire, vandalism, weather, theft, accident with an animal and more.
Bodily Injury Liability and Property Damage Liability
Payment for damages for which you are responsible, such as injury or property damage to others, and legal defense if you are sued.
Uninsured/Underinsured Motorist
This coverage pays in the event of injury, damage or death caused by someone who does not have insurance coverage or does not have adequate liability limits.
Medical Payments
Pays for medical, chiropractic and funeral expenses for injuries to you and your passengers resulting from an accident.
Road Trouble Service
If you’re stranded on the road due to a flat tire, minor mechanical malfunction or a dead battery, we will provide the service you need. Customers with this coverage can call us at 1-888-TOW-AOIC (1-888-869-2642) 24 hours a day, 7 days a week, 365 days a year in all 50 states and Canada.
Additional Expense
When you can’t use your motorcycle due to an accident, the additional expenses can add up fast. This coverage helps pay for a rental motorcycle. And, if you’re stranded away from home, food, lodging and other incidental expenses will be covered.
Safety Riding Apparel
Included in your collision and comprehensive insurance is also coverage for helmets, gloves, boots and any clothing designed to minimize injury in the event of an accident.
How do I get a quote?
Auto-Owners works solely through independent agents to ensure you’re getting the right protection from a skilled professional.
This material is intended as a general guide or primer only and analysis of coverage is in general terms for the sake of simplicity and understanding. Any of the content provided on this webpage is superseded in all respects by the Insuring Agreements, Endorsements, Exclusions, Terms and Conditions of the Policy. The material on this webpage is not an exhaustive list of the coverages available. Some of the coverage mentioned in this material may not be applicable in all states or may have to be modified to conform to applicable state law. Some coverages may have been eliminated or modified since the posting of this material.