Information About Motorcycle Insurance Coverage
Motorcycle Insurance Coverage With GEICO
Whether you're still riding with a death grip or have so many bikes in your garage there's no space for the car, GEICO offers a motorcycle insurance policy that is right for you. We insure most types of motorcycles including: sport bikes, cruisers, touring bikes, Enduros, scooters, dirt bikes, trikes and some custom bikes.
Do you need motorcycle insurance?
Motorcycle insurance will help protect you if you're involved in an accident and is required by most states. The coverage limits required vary by state. Check with your local Motor Vehicle Department to find information about your state. You can always customize the coverage to meet your needs when you obtain a GEICO Motorcycle Insurance quote.
How does motorcycle insurance work?
Motorcycle insurance is similar to auto insurance. There are some coverages that are required by the state and others that may be optional. Liability coverages are usually required by the state and generally provide coverage for damages or injuries you may cause to others in an accident. There are other coverages you can add to cover damages to your motorcycle, accessories you have added, and even coverage to help provide towing and roadside assistance. You can choose optional limits and coverages to personalize your policy to meet your needs.
What does motorcycle insurance cover?
Of course you don't plan on crashing your bike or having it stolen but if bad luck gives you the nod, you'll be glad you have top notch cycle insurance coverage.
Having motorcycle insurance coverage benefits you, your bike and others on the road. Here are some of the coverages that may be included in a GEICO Motorcycle insurance policy:
Provides protection for your accessories. You must, however, carry comprehensive or collision coverage on your policy. Accessories may include: saddlebags, backrests, seats, chrome pieces and CB radios. If needed, additional coverage can be purchased. Collision coverage provides protection for your helmet as well. (Coverage amounts vary by state.)
Bodily Injury Liability Coverage
Insures you against certain damages if you injure or kill someone while operating your motorcycle and also provides you with a legal defense if another party in the accident files a lawsuit against you. We have multiple limits of protection from which to choose.
Pays for covered damage to your motorcycle when it hits, or is hit by, another vehicle.
Comprehensive Physical Damage Coverage
Pays for covered losses resulting from incidents other than collision, such as theft, fire or vandalism.
Medical Payments, No-Fault Or Personal Injury Protection Coverage
Provides medical coverage for yourself and your passengers. You may select medical coverage in most states.
Property Damage Liability Coverage
Insures you against certain damages caused to someone else's property while operating your motorcycle and provides you with a legal defense for such claims if another party files a lawsuit against you. We have multiple limits of protection from which to choose.
Towing and Labor
Provides assistance if you need a jump start, a tow, or other similar services.
Uninsured/Underinsured Motorist Coverage
Pays for injuries caused by an uninsured driver in a crash that is not your fault.
Affordable Motorcycle Coverage That Protects Your Ride
Whether you're a hard-core motorcyclist or a weekend road warrior, GEICO® Motorcycle insurance gives you big protection without a big price. You'll find us to be a solid, stand-up company, insuring motorcycles and riders since 1978. We offer affordable rates, 24/7 customer service and fast, fair claim handling. Don't just take our word for it. Check out our motorcycle insurance reviews and ratings.
With GEICO you can stand out from the crowd by customizing your motorcycle policy to meet your personal requirements. Choose the type of coverage you need for your bike, the deductibles you want, and the payment plan that suits your wallet.
And wait, there's more! You may qualify for some of our special discounts that will make your motorcycle insurance premiums even lower.
The above is meant as general information and as general policy descriptions to help you understand the different types of coverages. These descriptions do not refer to any specific contract of insurance and they do not modify any definitions, exclusions or any other provision expressly stated in any contracts of insurance. We encourage you to speak to your insurance representative and to read your policy contract to fully understand your coverages.
GEICO® Motorcycle insurance is underwritten by GEICO Indemnity Company.