Motorcycle Insurance
Protect Your Ride, Protect Yourself
Whether you’re cruising down the highway, carving through mountain passes, or simply riding to work on weekends, your motorcycle is more than just a machine — it’s freedom, it’s lifestyle, and it’s an investment. But what happens when the unexpected occurs? That’s where dedicated motorcycle insurance comes in: to protect you, your bike, and your financial future.
Why It’s Essential
- Most states require at least liability coverage for motorcycles — you need to be legally protected if you cause injury or property damage to others. insurance.harley-davidson.com+1
- Your standard auto policy will not automatically cover a motorcycle — and even if it tries to, it may exclude many motorcycle‑specific risks.
- High performance, custom parts, theft, weather, and riding gear all add layers of risk that typical insurance may not consider.
- If your bike is financed or leased, your lender will often require comprehensive and collision coverages. insurance.harley-davidson.com+1
What Motorcycle Insurance Covers
Liability (Bodily Injury & Property Damage)
If you’re at fault in an accident, liability coverage steps in to pay for:
- Injuries to other people (medical, rehabilitation, legal defense) up to your policy’s limits. Progressive+1
- Damage to others’ property (another vehicle, fence, building) caused by your ride. This coverage does not pay for damage to your bike or your injuries. amica.com
Collision Coverage
Covers damage to your motorcycle when it hits (or is hit by) another vehicle or object — regardless of fault. Progressive+1
This is especially important if you’re financing your motorcycle.
Comprehensive Coverage
Protects your bike from losses beyond collisions: theft, vandalism, fire, hitting an animal, weather damage, etc. Progressive+1
Great to emphasize: “Bought your dream bike? Make sure you’re protected from Hidden risks.”
Uninsured/Underinsured Motorist (UM/UIM) Coverage
If another rider or motorist with little or no insurance hits you, this helps cover your medical costs and sometimes bike damage when the other party can’t pay. Progressive+1
Medical Payments / Personal Injury Protection (PIP)
Depending on the state, this can cover your medical expenses (and your passenger’s) regardless of who is at fault. Some states require it for motorcycles, some don’t — check local law. insurance.harley-davidson.com
Accessories, Custom Parts & Gear Coverage
Many riders invest in custom paint, upgraded exhausts, saddlebags, electronics, helmets and riding gear. Good policies include or offer options to cover these. Progressive+1
For example, protective gear like helmets can themselves be covered under comprehensive/collision in some policies. GEICO
What Motorcycle Insurance Usually Doesn’t Cover
- Mechanical breakdowns, normal wear & tear, maintenance issues — these are not part of standard coverage. MoneyGeek.com
- Riding during prohibited uses (for example, race track days or commercial use if policy excludes them) may void coverage. Progressive
- Some policies may not cover gear or trailer unless explicitly added. safety.army.mil
Let’s review your motorcycle — the make, model, usage pattern, customizations, gear — and build a protection plan that fits you. We’ll check:
- What your state mandates and what you’re actually exposed to.
- Which coverages you must have vs which are smart add‑ons.
- Whether your custom parts gear are covered.
- Whether you’re storing the bike part‑time and how that affects premium.
- What discounts or bundling opportunities you might leverage.
Don’t leave your ride exposed — let’s make sure your insurance is as ready for the road as you are.
Our Affiliations
Neofes Insurance Group
704 McKnight Park Dr. Pittsburgh, PA 15237
jkaiser@neofesinsurance.com
Phone: (412) 364-3388
Fax: (412) 364-3412
Monday - Thursday 8:30 am - 6:00 pm
Friday 8:30 am - 5:00 pm
The information provided on this website is for general informational purposes only and does not constitute insurance advice. Coverage cannot be bound, altered, or canceled via this website, email, voicemail, or online forms. All coverage is subject to the terms, conditions, and exclusions of the policy issued. Please speak with a licensed agent for specific coverage guidance.