With motorcycle insurance coverage through Faith Shield Insurance, you can choose how much and what kind of coverage your bike needs. Options include Bodily Injury and Property Damage Liability, Medical Payments, Roadside Assistance, and more.
Protect your bike with the following types of motorcycle insurance coverage:
• Bodily injury liability coverage - BI : Covers things like medical expenses and lost wages that result from the injury or death of another driver when you're at fault up to the limits you select.
• Property damage liability coverage - PD: Covers damage to another person's property when you are at fault up to the limits you select. You may be liable for other vehicles, private residences, storefronts and other structures.
• Collision coverage: Covers damages to your motorcycle that result from a collision with another object, which can include another car or motorcycle, a tree or a building.
• Comprehensive coverage: Covers damages to your motorcycle NOT caused by a crash with another vehicle—things like flooding, wind, vandalism and theft. You're typically covered for repairs up to the actual cash value of your bike. You select a deductible that you pay out of pocket. The insurer pays for the remaining damage.
• Uninsured/Underinsured Motorist (UM/UIM): When the person at fault for an accident doesn't have insurance or doesn't have enough insurance, UM/UIM will cover your injuries and damages that the at-fault party is legally liable for, such as medical treatment and lost wages.
• Medical Payments : MedPay covers the cost of necessary medical care you receive as the result of a motorcycle accident and can be used regardless of who is at fault. MedPay often is limited to medical treatment received within the first three years after an accident and is limited to a specific dollar amount. In some states, MedPay only applies after other medical insurance is exhausted.
• Personal injury protection: This type of coverage can reimburse you for medical expenses, lost income, funeral expenses, childcare and more if you're hurt in an accident.
• Custom Parts & Equipment : When you purchase Comprehensive or Collision motorcycle insurance coverage depend of the insurance company that you select through Faith Shield Insurance, at least $3,000 of Accessory coverage for your custom parts and equipment is included in most states. Up to $30,000 of additional Accessory coverage can be purchased to cover custom parts that exceed the included value.
• Roadside Assistance : If your motorcycle breaks down, Roadside Assistance will pay to tow it to the nearest qualified repair facility. Roadside Assistance also covers the necessary labor costs at the place of breakdown when your motorcycle or off-road vehicle is disabled due to any of the following: Mechanical or electrical breakdown, Dead battery, Flat tire, Lockout, Insufficient supply of fuel, oil, water, or other fluids, Entrapment in snow, mud, water, or sand within 100 feet of the roadway, depend of the insurance company selected.
Contact us for more information about Motorcycle insurance coverage types.