Liability Coverages

Bodily Injury (BI) and Property Damage (PD)    

It covers injuries caused by the policyholder to another person related to the person's motorcycle.

BI/PD coverages must be written together.

Includes Guest Passenger Liability — Bodily Injury coverage (GP)

Required on all vehicles on a policy.

Limits must be the same for all motorcycles on a policy.

NAIP offered limits of $50,000/100,000/25,000 and $100,000/300,000/50,000

Uninsured/Underinsured Motorist Bodily Injury (UM/UIM BI)

Uninsured/Underinsured Motorist Bodily Injury (UM/UIM) is used specifically when the other person is at fault for an accident, but they are either uninsured (which is illegal by the way) or underinsured. Underinsured basically means their bodily injury limits are too low to cover all of your medical expenses.

Required on all motorcycles on a policy with Bodily Injury coverage — unless rejected.

Limits must equal Bodily Injury limits — unless coverage is rejected or lower limits are selected.

Limits cannot exceed Bodily Injury limits.

Limits must be the same for all motorcycles on a policy.

NAIP offered limits of $50,000/100,000/25,000 and $100,000/300,000/50,000

Limit selected for BI/PD, same limit for UM/UIM BI will be provided.

Medical Payments    (MP)

An optional policy level coverage that pays for reasonable expenses incurred for medical and/or funeral expenses incurred due to a motorcycle accident.

Liability coverage is required on the motorcycle.

Limits must be the same for all motorcycles on a policy.

Limits are per person per accident.

NAIP offered limit of $2,000.


Physical Damage

Comprehensive and Collision Coverage (Comp/Coll)

Physical damage insurance is a type of insurance that covers physical damage to your motorcycle.

Physical Damage Only policies are not acceptable, Liability Coverage is required.

Salvage vehicles are not acceptable.

Comprehensive and Collision coverages are required on any motorcycle with a loss payee.

NAIP offered deductible is $1,000 for both Comp/Coll.


Actual Cash Value (ACV)

Pays the fair market value when there is a Total Loss. The limit of liability for Physical Damage losses to motorcycles insured with the ACV settlement method will be the LOWER of:

ACV of the stolen or damaged property at the time of loss;

Amount necessary to replace the stolen or damaged property; or

Amount necessary to repair the stolen or damaged property to its pre-loss condition.


Customized Equipment and Parts Coverage

Policies with Physical Damage provide coverage for all equipment made by the motorcycle’s manufacturer that is permanently installed on the motorcycle when purchased new (invoice required).

The first $3,000 for motorcycle and $1,000 for ATV, Golf Cart, or Snowmobile of customized equipment and parts is included at no additional premium. The application should list all additional equipment and parts regardless of total value. Includes equipment and parts permanently attached to the motorcycle, such as custom paint, and customized illustrations. Premium is based on the actual cash value of all customized equipment and parts. Do not include labor in value. The following are excluded from customized equipment and parts coverage:

Radar detectors, carbon fiber bodywork or accessories, and helmets (see Helmet coverage).

Policy must have Comprehensive coverage or Comprehensive and Collision coverages.


Safety Apparel Coverage/Helmet Coverage

Up to $400 of Safety Apparel and Helmet coverage is included at no additional premium on all cycles on the policy with both Comprehensive and Collision coverages. Coverage only applies when the safety apparel and helmet is worn during a covered loss.


Towing and Labor Coverage

Coverage is optional, with Towing and Labor coverage, we provide towing to the nearest qualified repair facility and necessary labor at the time and place of disablement when the motorcycle or vehicle towing them is disabled within 100 feet of the roadway due to: mechanical or electrical breakdown, battery failure, insufficient supply of fuel, oil, water or other fluids, flat tire, lockout or entrapment in snow, mud, water or sand.

Limited to 1 per occurrence; 3 occurrences per policy period.

Available for any motorcycle on the policy with Comprehensive and Collision coverages.

NAIP limit offered is $150 for any covered loss.


Trip Interruption Coverage

Coverage is optional, we will reimburse interruption expenses when disablement occurs more than 100 miles from the insured’s primary residence. Coverage provides daily maximums of $100 lodging, $50 for meals and $50 alternate transportation while the motorcycle is being repaired.

Coverage is limited to $400 per disablement and no more than three (3) occurrences per policy period.

Available for any motorcycle on the policy with Comprehensive and Collision coverages.

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